davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-02-22
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. (MD)

Delete these inquires accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 U.S.C 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  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 reparation 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 containin any of the following items of information. Any other adversed 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 the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I don't recall having a contractual relationship with this collection company PORTFOLIO RC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-12-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moss Law Firm, P.C. (TX)

Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " XXXX Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I received a letter in the mail dated XX/XX/22 from Wakefield & Associates. The letter states that Wakefield & Associates is a debt collector. The creditor is XXXX XXXX XXXX XXXX. The total balance is {$680.00}. The discount balance is {$470.00}. Wakefield & Associates website is chat.wakeassoc.com. Address : - XXXX XXXX XXXX XXXX, TN XXXX. 
- XXXX XXXX XXXX XXXX, TN XXXX. 
Phone numbers : - ( XXXX ) XXXX - XXXX. 
- ( XXXX ) XXXX - XXXX. 
- ( XXXX ) XXXX - XXXX From the letter, it looks like they only accept credit card payments ( XXXX, XXXX, XXXX XXXX ). 
I called and was told that the bill was for unpaid medical. They told me it is a HIPAA violation to tell me where this bill is from ( which doctor billed ) and told me that I have to mail Wakefield with a request for itemization to dispute the bill. I called the hospital ( I received care from ) directly and was told that I have no outstanding bills and that they do not use Wakefield and Associates for collections. I called Wakefield back and gave the person who picked up the account number. He was asking me if I was different people ( he went through a few names ). I asked him why one account number would have more than one name. He said that there are many account holders. I hung up. I am almost certain that this is a scam. I search on XXXX and found similar complaints.
Consumer complaint received 2023-02-21
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. (FL)

These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; XXXX  XXXX-Inquired on XX/XX/XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX XXXXInquired on XX/XX/XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX FI-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXXInquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, Hope you're doing well. I have this XXXX XXXX card that I've never used and opened on XX/XX/XXXX. 

On the credit report it says I've been late XXXX and XXXX of XXXX. 

That however, could not be true, as I've never once used the card since I've had it. 

So the reporting is inaccurate.
Consumer complaint received 2023-06-27
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 have a security alert on my Equifax credit report because I was a victim of fraud. I disputed my incorrect information with XXXX and they notified equifax and XXXX. After viewing my equifax credit report I noticed several hard inquiries on my credit report so I disputed all of the inquiries that I did not make. Surprisingly, less than XXXX hours equifax notified me that they had received notification that all the disputes I made were accurate - closed out my disputes and have left them on my credit report. I do not believe that equifax gathered the correct documentation from the agencies reporting these inquires under the law as there is no way they obtained every single item ( more than XXXX ) in less than XXXX hours. I do not believe equifax completed a thorough investigation in to my dispute claims and would like to be provided proof that I requested the credit inquiries that were fraudulent on my report.
Consumer complaint received 2022-12-19
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00}
Consumer complaint received 2023-06-27
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. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law, 15 USC 1681, the consumer reporting agencies have assumed a vital role in assembling and evaluating consumers credit and other information on consumers. Theres a need to ensure that the consumer reporting agencies exercise their great responsibility with fairness, impartiality and respect for the consumers right to privacy. I did not give my written consent to furnish these accounts on my credit report.
Consumer complaint received 2022-09-29
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : 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
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXBalance XXXX {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$590.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXXXXXX XXXX
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard has refused to resolve nearly {$3000.00} in fraudulent charges on my accounts, from XXXX and XX/XX/2022. These fraudulent charges are the result of Barclays mailing me a package of convenience checks which I did not request. These checks were subsequently stolen from my mailbox as part of an ongoing mail theft issue my neighborhood in XXXX XXXX faces. The perpetrator of the mail theft then wrote the checks to himself, to a name that is clearly not associated with me or my account in any way. 

I have spent nearly twenty hours on the phone with the fraud and investigations team at Barclaycard since XXXX when this charge originally occurred. I have made it repeatedly clear that this was fraud, and yet they have concluded that these were " valid transactions, '' leaving me liable to pay my credit card bill or face impacting my credit rating. The reporting and phone assistance process was the most infuriating and painful twenty hours of my life, fraught with hours of hold time, countless representatives who had no idea what they were talking about, reading scripts, and passing me around departments who also could not fix my issue. Ultimately, I am at a total loss, and apparently left with no choice but to pay the credit card bill that consists entirely of the fraudulent charges ( including both the original " convenience checks '' as well as the " balance transfer fees '' and " interest '' charges associated with them ).

Buyer beware - Barclaycard will NOT protect your accounts from fraudulent activity. In fact, they encourage it, by sending " convenience checks '' without any request, which can then be used by anyone to write fake checks to themselves.
Consumer complaint received 2023-06-27
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. (NC)

XXXX BANK ( BANK ) XX/XX/XXXX XXXX BANK ( BANK ) XX/XX/XXXX XXXX BANK ( BANK ) XX/XX/XXXX XXXX BANK ( BANK ) XX/XX/XXXX XXXX BANK ( BANK ) XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX WEBBANK/PAYPAL BC/CCC XXXX FINANCE ) XX/XX/XXXX
Consumer complaint received 2022-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted XXXX XXXX on XX/XX/2022, at approximately XXXX XXXX. I spoke with a representative by the name of XXXX. I was having difficulty understanding standing her and I found out from some questioning that this call center was located in XXXX. She requested information from me that she stated did not match her system. I informed her that the e-mail I provided her was correct. She eventually obtained my information and informed me that she would not be able to change my password because I had a new phone with a different phone number. She then told me my request would have to be sent to a " special department ''. I asked her where this special department was located. She told me she was not allowed to disclose that information. I then told her that I was looking at my credit report and seen that Transunion and XXXX XXXX appeared to be the same company. She was hesitant at first to respond but she eventually confirmed that " yes '' they are the same company. I then asked her if the " special department '' she was sending my information to in order to get updated was in fact Transunion. She hesitated again and that stated " yes. '' She also stated that any changes made by either Transunion or XXXX will be immediately changed in her system. I stated the following to her. " Did you say that any changes made by Transunion OR XXXX would be changed. She stated " Yes '' she stated that she was a receiver of the information and that they could not make changes on receive changes from the system. 

I have made some changes with XXXX. These changes were brought to the attention of the Fraud supervisor at XXXX. While on the phone he made changes to my account. However, when I checked the online account, I observed the changes did not show up in the online app. I suspect that this is the case with Transunion. XXXX the representative from Transunion stated that ALL the credit reporting agency send any disputes to the same location. It appears errors are regularly occurring and giving consumer so many problems because the actual information from these Credit Bureaus ( Transunion, XXXX and XXXX ) are not being updated accurately, completely and in a timely manner. As a result, I am now unable to access " my Social Security '' account. I was informed by Social Security that if any information on the credit report is incorrect it could affect my or anybody 's ability to create and get access to THEIR SOCIAL SECURITY account and this creates a big problem for all consumers who encounter errors on their reports. I have been trying to access my social security account for years. It appears that the Credit Bureaus themselves are actually the identities/companies that are creating the inaccurate reports and causing consumers to have so many problems.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud. I contacted Experian on XX/XX/2022 for an update on dispute and spoke with XXXX I was told that Experian relies on hearsay for disputes they only ask the creditor if the information being disputed is correct. I uploaded documentation that this account was paid in full and they did not remove account. The specialist was told at the beginning of the call was being recorded and I was using as evidence. Once I reminded him again he acted as if there was errors on the line instead of rectifying issues. I did tell him that I would sue because they continuously report in accurate information that I submit proof for that account is not mine or was paid off. I have several items remaining on my report that needs to be removed or I will seek legal action and sue for the maximum amount that the FCRA allows.