davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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: W&A Intermediate Co., LLC (PA)

Under the Fair Debt Collections Practices Act ( FDCPPA ), I have the right to request and receive validation of the debt. However, I never received proof that I am the party they are asking to pay the debt, or the date of the alleged medical service, or proof of any contractual obligation which is binding me to the debt. 

In addition, I never received a copy of any alleged agreement with my signature that I agreed to pay this creditor or a copy of a HIPAA authorization, since this is a medical account. 

The name of the company that has been taking actions against me is Wakefield & Associates. It shows on my credit report that the date it was opened was XX/XX/2021. The balance is showing as {$1000.00}. 

I have tried disputing this information with the credit bureaus multiple times and they are refusing to delete the information, despite it being a violation of my rights to be held responsible for a debt that has not been verified or proved to be mine and that is a clear breach of security.
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I observed charges of {$1.00} per transaction on my bank account, notably on XX/XX/21 and XXXX, along with other occurrences throughout this month. These deductions, totaling {$1.00} for each transaction, have raised concerns about the consistency and frequency of these fees. I would appreciate a detailed breakdown of these charges, seeking clarification on the nature of transactions triggering this fee. Understanding the specifics will aid in managing my finances more effectively and addressing any potential discrepancies. Your prompt attention to this matter is crucial for resolving and preventing further complications with my account.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (FL)

I have an Apple Card, which is issued by Goldman Sachs. However, Goldman Sachs does not provide support for this, it is a partnership with Apple. On several occasions, I have had fraudulent charges applied to my card. When I dispute them through Apple 's automated system, they deny a refund with no explanation other than " ineligible for refund ''. Since Apple is both the seller and the card issuer, I have no recourse, so I decided to close the account. When I attempt to do so, I am transferred to a line where I wait to speak to an attendant indefinitely with no ETA for an answer. Apple 's chat system tells me I have to wait for 7 hours and 54 minutes for someone to respond. I'm not sitting on hold waiting for someone to answer for basically a business day. There should be a way to immediately close the account, but evidently there is not. I need help.
Consumer complaint received 2022-12-20
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: LEXISNEXIS (CA)

Lexis Nexis did an unlawful excuse that they can not verify my information, but the report that I received by mail shows that Lexis Nexis didn't remove my negative reports which are being reported/shared without my consent. 

Violation : 1. 15 U.S. Code 1692d ( 1 ) - destroying my reputation 2. 18 U.S. Code 112 - attacking my liberty ( freedom ) as a XXXX national of the XXXX protected person by limiting my access to everything such as credit cards, loans, insurance, and etc because of unlawful negative reports 3. 15 U.S. Code 1692a- pretending to be a bureau. Demanding Cease and Desist to Lexis Nexis Corporation as soon as possible due to unlawful practice 4. 15 U.S. Code 1681b ( 2 ) - no consent to report and share information 5. 15 U.S. Code 1681- Fair and Accurate Report XXXX. XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX XXXX ) - failed to conduct investigation or correct erroneous credit entries
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.
Consumer complaint received 2024-03-15
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONLINE Information Services, Inc. (MS)

4 years ago I moved from XXXX  to XXXX  . I told XXXX XXXX  to disconnect my power. they did not and continued to bill me. I called them and they said they would take care of it. They did not as 2 years ago I was contacted by a collection agency and I told them it was a billing error. They then reported it to the three credit reporting agencies. I disputed it and it was removed as not being valid. 
XX/XX/2019 I get a call about the same XXXX XXXX  debt. ( {$420.00} ) from a representative of Online Information Service. She said I owed {$420.00}. I explained to her it was not a valid debt and was a billing error. conversation got heated and I hung up. Next thing I know on XXXX XXXX I get alerted that a " collections '' was reported to XXXX, XXXX  and XXXX. Online Information reported as a NEW collection.I am in the process of buying a home to close on XX/XX/XXXX. My credit scores were XXXX, XXXX and XXXX. They had plummeted!. I panicked, called and paid the {$420.00}. They said they could not remove what they reported. Later after I regained some sanity I found out it is illegal to report OLD debt/collections as new. It shows on my credit reports as NEW. I feel their actions exploited me as I am a XXXX year old XXXX XXXX Veteran, which is also against the law in N. Carolina where they are located. 
Since reporting old debt/collections as new is illegal they need to immediately remove everything they reported.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
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: Affirm Holdings, Inc (MN)

15 USC 1681 : Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer has furnished an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card under an open- ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting act, PORTFOLIO RECOVERY is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX  credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 
XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX XXXX  credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

In XX/XX/2019 my car was wrongfully repossessed by XXXX XXXX XXXX XXXX. I was not late on any of my payments and in fact, I was two months ahead. The repossession company hired by XXXX broke state law by breaching the peace and by stealing my vehicle, and by also using the police to complete a repossession. The following day I spoke with XXXX who confirmed that my payment was not late and the vehicle was not out for repossession. They told me they did not have the vehicle. I contacted the police but was told it was a valid repossession. I spoke to XXXX again and finally was told that the car was wrongfully repossessed and that they were going to return it to me. They did that day. Despite this, the account is still reporting negatively. XXXX breached its contract with me, stole my vehicle, and violated state and consumer laws. If this account is not immediately removed from all 3 credit bureaus, I will pursue legal assistance against all 3 credit bureaus and XXXX.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

I was a victim of identity theft. I got a alert from my fico that someone has stolen my identity. They charged all of my credit cards without my permission. After stealing my identity, I would like all of these removed from my credit profile.
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (AL)

I have contacted this company at least three times since seeing the debt collection on credit report, XX/XX/2022. The first time I contacted them was on XX/XX/2022. I have tried to dispute this debt via XXXX XXXX, as well. When I contacted the company, I was interest in the amount of debt and getting any information about the debt such as the original contract with my information on it, the creditor information, payment history ( itemized bill ), and the proof of ownership for the account. I am actually in the process of writing a letter to the company instead of doing it verbally as I have been doing it. They are in violation, as it has been more than 30 days since I asked for any of the above information. This violates the Fair Credit Reporting Act.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I sent you a letter via certified mail ( XXXX ) requesting debt validation for the referenced account. You responded on XX/XX/XXXX with a bill from a creditor. On XX/XX/XXXX, I sent you another letter via certified mail ( XXXX ), rejecting your response because a simple bill is NOT considered a " validation of debt '' by any means. Furthermore, this was unsatisfactory as proof that a debt is owed according to Texas Finance Code Section 392.202 and the CFPB 's standard. 

The letter mailed on XX/XX/XXXX again attempts to validate this debt and extends additional time for your company to comply with federal and state law. As of this date, I have yet to receive a response. This account is still reporting and has yet to be validated, even after a consumer request. 

Not only has this account not been validated, but it also contains numerous errors. When you received the two notices that this account was disputed, an investigation should have been conducted, per FDCPA and FCRA guidelines, and these inaccuracies should have been corrected. Because these inaccuracies remain, it shows that a proper validation was never conducted. 

This account has a last activity date of XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. If this one account was updated, then it should be the same for all credit reporting agencies. What I found to be very concerning is your reporting to XXXX, which reports an Account Open Date of XX/XX/XXXX but has the last activity BEFORE the account was even opened. This is an egregious inaccuracy. Next, the account shows as open on TransUnion and XXXX but closed on XXXX. If this is the same account, how can that be? 

Lastly, this account is a charge-off account and is reported as a collection by your company. Since then, this account has been reported as a charge-off every month, creating a payment history. This is an update in the payment history, which, to my understanding, collection accounts should NOT include an active payment history. This very action falsely manipulates the statute of limitations. 

This erroneous account contains numerous inaccuracies and has yet to be validated even after being requested twice. The company 's actions can only be deemed willful as they failed to correct or remove this account.
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (SC)

Received a letter attempting to collect what appears to be medical debt. Letter received shows two separate charges. One charge is from XX/XX/2021 for {$41.00} and the 2nd charge listed is from XX/XX/2021 in the amount of {$2.00}, XXXX. This is the first communication I have received and it is from a law firm. The letter does not provide any information as to how I can dispute this debt or what the charges are for, it only provides a number if I want to call and discuss payment, or if I should choose provides a special offer to settle the balance on charges I was unaware of.
Consumer complaint received 2023-01-09
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-12
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. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Collection : XXXX XXXX XXXXXXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : 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 furnished a account with out my written instructions.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (TX)

Collection agency is reporting the incorrect amount on my credit report. I have sent numerous letters requesting for debt to be removed from my credit report as it is inaccurate. I as well along with these request have sent over copies of the correct balance from the original creditor, yet the debt collection agency refuses to remove the collection from my credit report and is actively pursing the invalid debit. The agency has failed to fulfill my request along with supply data displaying the incorrect amount such as charges. The debt amount listed on my credit report is for {$35000.00}. The amount listed on my final statement from the original creditor is {$9700.00}.