davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (SC)

On  X/XX/17   , I was reviewing my credit report and saw a collection account from SCA Collections , Inc . The amount was for {$55.00}. I am not aware of any outstanding debt with this company or the company they bought the debt from so I decided to initiate written contact. On  X/XX/17    I sent out the first letter ( certified mail ) asking for verification and validation of this debt. Around  XX/XX/17   , I received a response letter from SCA with what they would consider as verification. They also stated if I needed further information I would need to contact the original company directly. From my understanding, the FTC does not consider an itemized printout as verification of a debt from a debt collector. It is also my understanding that it is not my responsibility for the burden of proof on this debt. I wrote a second letter to SCA on  X/XX/17    again asking for verification of this debt ( document bearing my signature ). I received their response to my second letter around  X/XX/17   . They stated they have meet all requirements and provided me with verification which they have not. If they can not provide the proper verification ( document bearing my signature ) I ask that this item please be removed from my credit reports as it is damaging to credit.
Consumer complaint received 2017-06-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (VA)

I purchased  XXXX   Western Union m oney orders at  XXXX  in  XXXX  o f 2011. I d id not use them for the original purpose and they were set aside uncashed. I found them recently and decided to cash them to regain the face value of the orders, a total of {$38.00}. I was not aware that over time they are subject to a " service charge '' that ultimately consumed the entire face value of the orders, rendering them worthless. This is disclosed in fine print on the rear of the paper order, with no reference or asterisk on the front of the order to indicate such a disclosure exists. Upon cashing them in my regular checking account I received a letter that they 'd been returned, earning a return check fee from my bank as a result. That fee has been waived by my bank given the situation, however I 'm still less the {$38.00} in value. {$38.00} is not a significant amount of money to me and this complaint is being made to draw attention to what I believe is a deceptive and unfair practice. For individuals who have no alternative to using money orders this " service charge '' could be a significant drain on their finances and should at minimum be clearly disclosed or preferably not charged to begin with.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inquires are unauthorized. I have included in this package : copy of FTC report, proof of address, copy of ID, and SSN
Consumer complaint received 2024-03-23
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. (NC)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (TX)

I was leasing a XXXX in XXXX. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from XXXX XXXX of late fees assessed against us for late return of the jeep. On XX/XX/XXXX, I spoke on the phone with an XXXX representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from XXXX. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with XXXX XXXX on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from XXXX rep to XXXX rep and would prefer to avoid suffering through that process again.
Consumer complaint received 2022-12-12
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)

I was leasing a XXXX in XXXX. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from XXXX XXXX of late fees assessed against us for late return of the jeep. On XX/XX/XXXX, I spoke on the phone with an XXXX representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from XXXX. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with XXXX XXXX on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from XXXX rep to XXXX  rep and would prefer to avoid suffering through that process again.
Consumer complaint received 2022-12-12
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. (TX)

I was leasing a XXXX in XXXX. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from XXXX XXXX of late fees assessed against us for late return of the XXXX. On XX/XX/XXXX, I spoke on the phone with an XXXX representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the XXXX on time, and received no answer from XXXX. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with XXXX  financial on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from XXXX rep to XXXX  rep and would prefer to avoid suffering through that process again.
Consumer complaint received 2023-06-28
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)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-14
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-02-26
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. (MA)

In accordance with the Fair Credit Reporting act ( 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 a account without my written instructions 15 U.S.C 1666B : 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 2022-12-12
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. (FL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld systems inc. showed a collection on my report from XXXX XXXX XXXX of {$310.00} XXXX XXXX. I had to call them XXXX XXXX to find out why because they have not tried to contact me at a correct address or by telephone. They are also putting a debt on my report that has already sat on my credit report for 7years and fallen off. The company is out of time-barred and statutes of limitations guidelines. As well as never spoken to me or sent a letter to a correct address to notify to legal report said debt, that is over 10years old and had already lived its 7year lifespan on my credit report.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have been making payments through my credit card faithfully and almost time until I came up with three issues today. One, I could n't login after I sent an email to customer service asking proof of my point of sale relating to my debt. This was on  XXXX / XXXX /2017 at   XXXX   XXXX   Central Time. Two, they have been committing fraud by returning payments from my bank that they posted two days in a row. Three, they 're claiming that they do n't have my email on file, which is false, in order to collect late fees. In addition, they know by law they 're to give a 45 day notice when closing an account, which I believe they have done. If this is the case, then I want my balance at 0. Thank you.
Consumer complaint received 2023-09-29
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers 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 2023-06-14
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (FL)

For some reason my Line of Credit has 3 account numbers : XXXX / XXXX and XXXX. XXXX & XXXX charge 3 % interest and XXXX charges 10.69 %. My problem is that when I pay the request amount due on account XXXX only a portion of that payment is posted to XXXX, the remainder is posted to one of the other 3 % interest accounts even though I had requested on line, in person at the Truist Bank and have written on my checks that the payment is for the XXXX account only. 

This has been done several times. The Truist Banker in XXXX XXXX XXXX had spent 1 hour with me as she spoke to 5 people at the Truist Processing Center with no satisfaction. The banker told one of the Processing Center people that she did not understand the problem and could understand how the customer was confused. 

For example on XX/XX/2023 Min payment due on account XXXX was {$120.00}. I paid by check {$120.00} with a note that the payment was specifically for account XXXX. When I received my statement I found that {$9.00} went toward the principal, {$29.00} toward interest and {$2.00} for hazard insurance. Where did he remaining amount go? At this rate I'll never get the XXXX account paid off!
Consumer complaint received 2024-02-06
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)

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. 

US BKPT CT XXXX XXXXXXXX XXXX, US BKPT CT XXXX XXXXXXXX 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 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.