davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX
Consumer complaint received 2023-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

we refinance our mortgage, and did not add the other parcel account to my account therefore, we have to come up with large amount of money {$9700.00} for escrow account I was not inform until 30 day 's before my mortgage is due in XXXX.
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I sent two letters for validation to LVNV Funding LLC on an account posted to my credit report. First letter sent XX/XX/XXXX with NO validation. Second letter sent on XX/XX/XXXX again NO response with validation.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$29000.00}.
Consumer complaint received 2023-02-21
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 recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with Preferred Lease. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX to be removed from my credit report. 

All Accounts are listed below : XXXX XXXX Thank you
Consumer complaint received 2023-02-20
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)

ccordance 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 XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Stat7es : 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 2023-03-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC (MI)

On XX/XX/2003, I was returning a phone call from a XXXX XXXX from capital link management @ XXXX. When the person answered, they greeted me by my first name, and proceeded to go into personal information prior to identifying who they were, and also prior to mentioning the calls were recorded or monitored, which is a violation of the FDCPA. I had asked for a debt verification letter to be sent to me and he told me that they dont do that and that I sounded educated and seem to have a good job so I should understand whats going on and should be able to take care of it.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For several months I've tried to reach out to the 3 credit reporting agencies, Transunion, XXXX and XXXX. I also reached out to the creditors to try to resolve this issue through writing and calling and none have responded. 

XXXX account number XXXX opened XX/XX/XXXX reporting weekly on my credit reports as Collection/Charge off but the balance is {$0.00} says in comments on my reports Purchased by another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX. 
dates last active are reporting 3 different dates on XXXX XX/XX/XXXX, Transunion XX/XX/XXXX, and XXXX XX/XX/XXXX. Please remove this account off my credit reports, it's damaging my credit profiles. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX opened and reporting 2 different days Transunion XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Reporting as a collection. last active XX/XX/XXXX. Please remove from my credit profile, this is not my account. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) account number XXXX opened XX/XX/XXXX with Transunion and XX/XX/XXXX with XXXX. Also reporting as collection. Please remove this account from my credit profiles this isn't mine at all and this company XXXX isn't even in business anymore, so I have no idea how or why a business that's no longer in business can send false information to credit reporting agencies without being in business monthly.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was initially told that the funds left in the account could be transferred to a different account before closing the account. Once the account was closed I was told the check would be mailed to the address on file. XXXX XXXX expressed the check was returned. I suggested sending the check to a different address and was asked for personal information via email. I uploaded my DL and Birth Certificate. An email asked me to send the back image of the Birth Certificate. This made me uncomfortable and I requested to have the check resent to the initial address. The email is continuing to ask for the image. I have been waiting on the check to be sent since XX/XX/XXXX, and we're going into XXXX now and dose n't seem as though any progress has been made. I've called several times since XXXX I have the call logs and all the email coorespondence. Currently collecting information in preparation to start taking legal action.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I went to XXXX to get my credit reports from XXXX, Transunion and XXXX. I am always told to call them and then I spend hours trying to get a copy of my report from the various agencies. 
I am sick and tired of them doing this to me. 
I feel that they do this to discourage people that are low income like myself from requesting my reports. I feel they do this to save money. 
I am very frustrated with them. 
I have lived at the same address for about XXXX or 8 years. 
I have not had any problems with credit theft or anything like that. 
I have had the same phone number for years as well. 
They keep doing this and it needs to stop. I am entitled to my reports and they are depriving me of keeping track of my credit.
Consumer complaint received 2023-05-18
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. (GA)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF VIRGINIA . MIDLAND IS KNOWN FOR DOING BAD PRACTICES!! 

SEE BELOW Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In Brim v. Midland Credit Management, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the XXXX XXXX approved an award of emotional distress damages of {$150000.00} for credit reporting violations. Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be XXXX XXXX XXXX and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them. From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my privacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. IN ADDITION A MIDLAND DOES NOT HAVE LICENSE TO COLLECT IN THE STATE OF VIRGINIA. Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (FL)

XXXX office agreed not to charge me for lab after I told them no need for lab work since I did it recently. I just need to adjust my XXXX a little bit. Lab or testing is not needed. But they told we will the test and will not charge you. Then it took hours waiting time. Until I gave up and told them I have to leave to go back to work. Then I called to reschedule the appt again. They refused. Then I guess they are not happy that I left after wasting my time few hours waiting. Now they send {$60.00} to collection. Its rude to charge me for something I didnt ask for or agreed to be charged. They are just angry for no reason. Its like playing games. They sent it to a collection agency trying to aggravate me. I am very aggregated and very angry since they are playing games with me.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX - XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (WA)

I was seen at the emergency room at XXXX XXXX XXXX in XXXX or XXXX of 2019. I was having difficulty communicating and my daughter helped me get care. I gave the hospital written permission to communicate with her about my care and any financial issues. I was covered under the VA at 100 % of medical. They assumed because I was homeless at that time that I was lying despite me providing them my VA id and never bothered to send the bill to the address my daughter gave them or the VA. 

I received phone calls months later and they told me they never billed that address because I was homIeless. XXXX XXXX verified that they had the address on file which was my daughters but because I was homeless they didn't bother to send a bill to the address. I gave all the billing information XXXX XXXX needed for the VA and provided my address. XXXX XXXX continued to not bill the VA or send me a bill of the services. 

I called XXXX XXXX to see what the resolution was and was told it was to late and XXXX XXXX sent the bill to collections. They had no answer about why I still had not received a bill but said I should receive one from collections. I never had the opportunity to request financial help since I never received the bill to begin with. They did not even contact me by phone until months later although they had my phone number and my daughter 's. 

I called the VA and they tried to assist by contacting the hospital but they were told it was in collections and there was nothing they could do. I was told there was no timely AR billing so XXXX XXXX XXXX had to work with them. Instead they sold the debt to a collection agency who refuses to refuses do anything except add interest and ask me for a credit card number to pay the bill. Years later they contact me by phone although they should of had addresses and phone numbers to reach me or send me an itemized bill. 

XXXX and XXXX called me and said it all has to be paid and that the events leading up to this were irrelevant, the debt needed to be paid in full by me. If I did not pay the bill in full, I would be reported to the Credit Bureau and they would take actions to attempt to collect the debt. I have asked XXXX and XXXX to verify the debt via certified mail. I still have not received a bill from XXXX and XXXX but they have put this debt on my credit report after I spoke to them early XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WA XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Office Hours : 8 am - 4 pm Monday-Friday ( Except Holidays XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

This information is under my name and is causing me harm. I need it removed from my history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

On Monday, XX/XX/2022 I tried to get my daughter and mine XXXX XXXX XXXX XXXX, we did get successfully the XXXX free credit report and XXXX free credit report, and printed in both cases. But EQUIFAX failed it. 
EQUIFAX posted that w already get it ( my daughter 's case ), and then asked me to call them ( my case ). I called them to get my daughter 's EQUIFAX free credit report, and told their costumer representative that I hope will not be my case, because I will do my ANNUAL FREE CEDIT REPORT next. And what was my surprise, it happened again.

It is weird that a BIG COMPANY like EQUIFAX, that costumers and consumers TRUST around USA, has this kind of issues with their WEBSITE, and the other two companies did success perfectly fine. And in both cases against EQUIFAX I took pictures. 
Thank you this is my second try, because OOPS the first try I could not get the case number.
Consumer complaint received 2023-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC (TX)

This debt collector has continued to try to collect a medical debt when I carry both VA insurance and Medicaid that covers all medical issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is why I have VA insurance and also pay for Medicaid out of my SS XXXX. The fact that this company acts predatory and continues to try to collect money from me rather than bill the VA or Medicaid is unreal. A XXXX Veteran should not have to argue with a collection company over an invalid medical debt. This is absurd.
Consumer complaint received 2024-03-20
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.