davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required 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. 

TRANSUNION COLLECTIONS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} 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 XXXXXX/XX/XXXX XXXX COLLECTIONS : XXXXXXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Hello. In XXXX of XXXX I received a letter in the mail from Credit Collection Services. This collection agency claimed that I owe {$7000.00} to XXXX mobile services. I called XXXX and a representative said that I owe no such amount. The only service of XXXX I had was XXXX, which was paid monthly and cancelled before I sold my house. The representative said accruing that amount would be impossible, XXXX  would cancel the account long before. 

I researched credit collection services and according to comments on XXXX  is an obvious scam, bullying people into paying debts they do not owe. 

Unfortunately this is on my credit report and I can not buy a house due to my credit score tanking XXXX points. 

I contacted XXXX XXXX in XXXX XXXX as recommended by my real estate lender and they said a few months ago that the debt should be off of my account but that it is out of their hands at this point. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they are a debt collection and that I owe {$7000.00} to XXXX XXXX. 

I do not know what to do at this point so I am reaching out to every avenue I find. Please help me get this off of my credit so I can move on with my life, thank you.
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (MO)

There's multiple inquiries on my crefit file inwhich i have absolute any knowledge of and im demanding that they be removed due to fraud. The inquiries in question are as following.

1 ) XXXX  XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX 3 ) XXXX XXXX card XX/XX/XXXX 4 ) XXXX   XXXX  XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (VA)

I contacted IQ Data international today about a collection on my credit report in the amount of XXXX for The XXXX at XXXX. I first spoke with XXXX to request a copy of the charges and she absolutely refused to send them to me. She would not let me speak and was very rude. She only wanted to speak to me if I was going to pay, but why would I pay for something if I don't know what it's for. I called back again and got someone named XXXX or reconnected me to XXXX, again I got no where. I called back a third time and spoke to XXXX, he also refused to send me the summary of charges. He then proceeded to tell me that the charges he received were actually only a screenshot and that they were cut off. He told me to go to the complex. I did go to the complex and was told that they had no record of my charges their from 2018. They gave me the phone number and email address for tenant relations for the management company XXXX based out of California, I live in Virginia. I called them 4 times today and left XXXX messages. I also sent XXXX emails and received no response back. I am just trying to get to the bbottom of this and get this incorrect debt off of my credit report. I believe that IQ Data also retaliated today as a result of my calling them to request correct information my dinging my XXXX report right after I talked to them and dropped me XXXX more points. I was told bybthe XXXX court of XXXX, va that I do not have any evictions or judgements against me.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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 ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} 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 XXXXXX/XX/XXXX EXPERIAN COLLECTIONS : XXXXXXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (WI)

I mailed out my dispute letter to equifax on XX/XX/XXXX XXXX Credit agencies have 30-45 days to respond. I recently ordered my credit report prior to XX/XX/XXXX and notice that there were some things on my report that were incorrect. Here are the items I want to dispute XXXX XXXX XXXX This account was sold to a debt agency that can not validate I owe them this debt. The account is closed and the balance is XXXX. 

XXXX XXXX BNK- This account was also sold to a debt collector who can not validate I owe them this debt. This is a charged off account meaning the original creditor was paid for this account and I do not owe a company that bought a debt that was already paid.

These collections violate my rights under the FCRA and the Statue of Limitations have exceeded the time frame needed for me to be sued for these debts. Please delete these items off of my credit report.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

This issue came to my attention when my wife questioned the paper statement, received first time in the mail, about credit card with CITI Advantage that being late on the payment. We have several CITI accounts in the family, my wife, my daughter and my son they all have CITI credit cards and my wife is the one who is managing all of our monthly bills. I called the CITI and talked to their representative that I do not recognize this Credit Card that was issued under my name Account Ending XXXX and explained that I never applied for this card, neither anyone in my family did. 

Citi opened the claim under fraudulently opened card using my personal information. After their investigation I received a response from CITI denying my claim as this was payments shows that being paid from my XXXX XXXX Account. I have explained CITI in my initial phone call that we have several CITI accounts in our family and my XXXX XXXX Bank account is used to pay all of bills in the household. If the card payment was taken from my personal bank account and my wife did not notice or assuming that it is one of our family used CITI cards it doesn't mean that someone did not intentionally used my personal information to open one. The payments for this credit card was never set up in my XXXX XXXX Account to be paid from the bank, these payments were taken from my XXXX XXXX Account by the CITI, and like they explain in their letter dated XX/XX/2019 that " payments remitted from valid XXXX XXXX Account '' - the payments were never remitted from XXXX XXXX Account, the payments were set up to be taken out within the CITI account. 

Recently, I had similar issue with XXXX XXXX  card that was opened under my name without my permission or being aware of it. 

I am sure CITI can investigate all the charges related to this account and see that those charges will have nothing to do with me.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have recently reached out to all XXXX major credit bureaus via certified mail that requires a signature, asking them to verify some accounts. I also requested a complete investigation on everything on my credit report, and they did, and stated everything was accurate. After I looked over my credit reports to do my own research, I still found some items that are reporting inaccurate on my consumer reports. There are several items reporting on different dates, different amounts, accounts opening, closing on different dates, or late payments.

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Several of my consumer rights have been violated by the accounts listed below, therefore I demand these account to be removed from my credit report. 

XXXX. XXXX XXXX Account # XXXX Inaccurate items are as follows XX/XX/XXXX I was marked XXXX late by XXXX but marked paid on time by XXXX. XX/XX/XXXX I was marked paid on time by XXXX and XXXX, but XXXX  days late by Equifax. How is this the case if my consumer reports should be accurate? 

Please see attached files XXXX. XXXX XXXX  Account # XXXX This company has been reporting inaccurate information from XXXX XXXX XX/XX/XXXX and other dates. Please see the attach files for confirmation. 

I demand these accounts be deleted from my consumer reports immediately due to the fact that they violates my consumer rights.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX ( 3 inquiries ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OH)

I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with Home Depot. I am not disputing if I had an account with Home Depot. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from Citibank XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against XXXX for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced Citibank collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
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. (IL)

In mid XX/XX/2022, the credit agency never did a proper investigation the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. they did not do this also they violated my rights even more, in accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer report. The credit agency stated my report was properly investigated but how is this possible if the open date, date of last activity an date last report are not accurate. This is grounds for removal. XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX XXXX15 USC1681 section 602 A states i have the right to privacy- 15 USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish a account without my written instructions -15 USC1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom there repot relates - 15 USC1681c ( a ) ( 1 ) information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing any of the following items of information, ( 1 ) cases under title11 ( United States Code ) or under Bankruptcy Act that from the date of entity of the order for relief or the date of adjudication
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (IL)

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 AccoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} 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 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 XXXXXXXX XXXX 

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 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX COLLECTIONS XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX : {$680.00} INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX : {$680.00} INQURIES XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX COLLECTIONS XXXX XXXX : {$920.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

This issue started with fraudulent charges to my XXXX account. I received 4 different invoices starting in XX/XX/XXXX. These invoices were dated XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reported the fraud to XXXX. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and on each occasion I was assured by different  people that they had taken care of the issue and closed my account, and I did not owe any money for this fraud, but despite this, I continued to receive bills. 

The invoice dated XX/XX/XXXX I did not receive until XX/XX/XXXX! I received Past Due notices for the XX/XX/XXXX invoice and the XX/XX/XXXX invoice, but no others. 

I was assigned a case person from the fraud department- XXXX XXXX , and given her direct phone and email contact information. Despite multiple phone calls and emails using the contact information I was given, no one ever answered or returned my phone calls or emails. 

In XX/XX/XXXX I had my last conversation with XX/XX/XXXX and was again assured by a supervisor in the XXXX fraud department that the issue was resolved, my account was closed, and I needed to take no further actions. 

I received no further Past Due statements. 

As of today, I received notification that I have been sent to a debt collection agency Transworld Systems INC for the sum of XXXX over the fraudulent charges.