davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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 # U S DEPT OF EDXXXX 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 2020-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Assoc. is harassing & reporting inaccurate information on my credit report. This company is reporting two unverified collections on my report, one for the balance of {$2600.00} that is being stated was opened on XX/XX/2020 & another one for the balance of {$490.00} that is being stated was opened onXX/XX/XXXXXX/XX/2020.
Consumer complaint received 2020-11-09
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. (CA)

Bankruptcy reported on my record over 10 years Numerous unauthorized credit inquiries Wrong addresses reported as previous address I have only one address over 15 years : XXXX Cimarron XXXX XXXX XXXX XXXX, Ca XXXX Wrong HIGH balances on my open accounts reporting as 98 % credit usage.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (MA)

This is regarding a credit card ( chase ) debt that originated in 2012. I went through a devastating divorce, and was left with this debt and much more. The original debt was {$7600.00}. It is now up to {$17000.00} with interest fees. At the time of this judgment I was making {$20000.00} a year in my current job, divorced, and had XXXX children under my care. I could not afford to pay the debt, and I still can not afford it. I have made numerous attempts to settle the debt, and I continue to be denied. I am harassed, by XXXX XXXX since the judgement was entered. He was representing XXXX XXXX. He is currently with XXXX XXXX XXXX XXXX I have had my vehicle seized without any communication within a XXXX year period. I have had a XXXX placed on my mothers property which has since been put on my name to protect her. My mother and I continue to be harassed and threatened for a {$7000.00} debt from 12 years ago. This is made us both physically and emotionally sick and have had to seek mental health doctors regarding this. I have had major XXXX, and had no means to pay for an old credit card debt. XXXX is now threatening my mother about taking my childrens vehicles. As of yesterday I have offered {$5000.00} to settle this. This is all that I have in my savings and to my name. He refuses! I need help I can not take this mentally any longer.
Consumer complaint received 2022-05-05
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. (NC)

In accordance with the Fair Credit Reporting Act, 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I went to Wells Fargo bank in XXXX XXXX, Ca at Branch # XXXX at XXXX on XX/XX/XXXX at the Wells Fargo in the XXXX XXXX XXXX. I made a cash deposit of {$140.00}. The clerk that recieved the the deposit was XXXX. I made a second deposit for {$200.00} at XXXX XX/XX/XXXX the clerk was XXXX as well. Upon checking the receipts it says the deposit credit date was credited on XX/XX/XXXX. Upon checking today XX/XX/XXXX there is no record that these deposits took place.
Consumer complaint received 2023-03-11
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXXXXXX 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 2024-04-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (NJ)

For the last XXXX weeks, XXXX XXXX XXXX has been claiming I owe a debt for unpaid furniture bills for over {$1000.00}. They continue to call my family members even after they have asked them to stop. They call continuously at all hours of the day. They had called in the past but ceased to call for over a year and a half and have just started calling again repeatedly. I have not been given any proof that I still owe a debt and their business practices are becoming harassing and unacceptable. 

They constantly ask for credit card numbers over the phone which I have refused to do every time. Their tone becomes extremely rude and aggressive after I refuse to give personal information over the phone. 

XXXX & XXXX are specifically the harassing and rude callers.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

I received an alert on my credit report that I had an account go into collection. 
The company, I C Systems Inc. Did NOT contact me or reached out in any way shape or form prior to reporting on my credit reports.

I reached out to them and to the Daycare that originated the debt and I C Systems refused to delete the inquiry even after I proved that the account reported deliquint was an error on the creditor 's side. 

I have since obtained proof that the account was reported due to an error and the collection agency still refused to delete their collection on my report. 

This has significantly harmed my chances of getting approved for a mortgage and I would like the collection agency to remove it immediately.
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Atlanticus Services Corporation (PA)

I was unable to list my po box on the original application. I chatted in the rep sent me a secure link to which I uploaded proof of my po box . I chatted back in as my address was not updated. The rep advised they would update my address. The rep updated the address not related to me. I chatted back in and was told to contact support. I spoke with a supervisor who stated they could not rectify the representatives mistake. They advised me to send an email with the same docs that were already uploaded. I sent the email they stated they could not assist. I feel as though my privacy and information is at risk as I am not aware of the address that is listed on my account now.
Consumer complaint received 2022-05-28
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. (MS)

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. 
Both together and separately my consumer rights and privacy rights have been violated by TransUnion, XXXX, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.
Consumer complaint received 2022-09-13
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. (PA)

I am XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( OriginalCreditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00} XXXX  XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00XXXX XXXX XXXXBankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Experian, YOUR COMPANY CLEARLY LOVES LITIGATION. YOU CONSTANLY VIOLATE THE LAWS. YOU CONTINUE TO VIOLATE CONSUMERS AND THEIR RIGHTS JUST AS OFTEN. IT IS NOT MY JOB TO DO YOUR JOB AND I WILL NOT. YOU ARE SOPHISTICATED THIEVES STEALING MY PERSONAL INFORMATION USING IT AS YOU PLEASE TO RUIN MY REPUTATION. EXPERIAN IF YOU AND YOUR VENDORS WANT TO CONTINUE COMMIT IDENTITY THEFT AT LEAST HAVE THE CORRECT PROPER INFORMATION TO DO SO. PLEASE spare me the ANTICS. Your company ABSOLUTELY does not Appreciate ANY Consumer who disputes their Consumer Reports. Your company loses money when this happens. Do not continue to insult my intelligence. THIS IS MY 3RD AND FINAL TIME REQUESTING YOUR COMPANY REMOVE, DELETE, UPDATE ALL OF MY PERSONAL INFORMATION I WANT LISTED IN YOUR SYSTEM. 

Now let 's move on shall we, you are in violation in more ways than one. I will just stick with your willful non-compliance/negligent noncompliance. I know your company is in the business to make money by gathering, processing, and archiving my Personal Information selling it and harming my life, my family and my reputation. Your company feeds my information into your data system with no regard to. As I stated previously your agency has several variations of names, addresses, phone numbers, employers, emails, ETC. This is my last request to have your company fix this inaccurate personal Information. Your company has an obligation/responsibility after I have expressed safety concerns. I clearly asked your company to REMOVE DELETE ALL names, all addresses, all phone numbers, all employers, all Social Security Numbers, all emails. 

This is the only information I would like reported on my Consumer Reports. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. REMOVE XXXX FROM THE SPOUSE SECTION AS WE HAVE NOT BEEN TOGETHER IN 14 YEARS. 

PLEASE SEND ME UPDATED REPORTS WITH THE CORRECT INFORMATION. YOU'RE VIOLATING MY RIGHTS BY RUINING MY REPUTATION AND MY FAMILY IS BEING HARMED IN YOUR ILLEGAL WORKS. THE LAW ENTITLES ME TO REQUEST INACCURATE INFORMATION BE REMOVED. Please send an UPDATED
Consumer complaint received 2022-05-29
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. (PA)

These accounts are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report, no consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 )
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the amounts of XXXX Tu/ XXXX TU/ and XXXX from XXXX and three amounts of XXXX. I requested XXXX agencies to Validate this debt as I have no clue what these amounts are for. I sent letters to all involved - not one response XXXX XXXX I sent letters twice both came back undeliverable.This is how I know validation was n't done If so you would have provided proof of this debt.I am being hurt financially and mentally because of your inaccurate reporting.
Consumer complaint received 2022-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Voicemail stating I owe money or would be sued if I didnt call to pay. Called back and had all my information and that I owed XXXX for court fees on top of my debt from Bank of America that I open in XXXX and went to collections in XXXX ( incorrect information ) and got aggressive when I refused to believe. There was a female who acted like a 3rd party company called XXXX  that transfer calls for the legal department and transferred my call to a guy name XXXX when hung up on me the first time and then would send me to his voicemail the next 2 times I tried to call with no call back. 2 phone numbers one was from a local town close to where I was raised XXXX that was the female number who would transfer me to a XXXX to a XXXX. It is a really good scam and needs stopped
Consumer complaint received 2020-11-08
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.
Consumer complaint received 2019-11-25
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. (DE)

On XX/XX/XXXX I called XXXX XXXX to report suspicious activity on my account after I received a password-change notification. XXXX XXXX 's changed my card account numbers and ordered new ones and revoked my online account. 
However, since then, XXXX XXXX has been making false reports to the credit bureau regarding my account : On XX/XX/XXXX, XXXX XXXX reported me as " 30 days late '' even though there was no payment due on my account. 
On XX/XX/XXXX, XXXX XXXX reported a new account under my name even though I did not open a new account.
Consumer complaint received 2022-05-29
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. (NC)

In accordance with the Fair credit reporting act ( SXXXX XXXX XXXX XXXX Account # XXXX ), ( XXXX  Account 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 2020-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MN)

MIDLAND placed a out dated, no longer valid collection on my credit. I disputed it and my bureaus found that to be true and had it removed. Midland sent it to a law firm after it was removed and now the law firm is calling numbers that are related to the company i work for but dont get to me directly. I called the law firm and they said that its a open account and that ill have to submit my deviance as proof that it was indeed disputed. didnt give me any information or how to do so, so i told them that they would need to get MIDLAND to supply that information since they were the ones who sent the " colleciton '' to them after it was removed and closed.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

After recently starting to seriously work to clean up my credit report I began with the worst item, a bankruptcy on my report. I wrote three letters to XXXX requesting that they verify a bankruptcy on my credit report for the purpose of deleting said bankruptcy. Each time I was told the information they had, had been verified. I 'm certain they used the XXXX verification, probably by XXXX XXXX. I also know for a fact that Superior Court does not share information with third parties. And I also know that with the millions of credit reports they monitor no one from the credit reporting bureau physically drives to the courthouse to collect information about a bankruptcy in order to verify it. So XXXX has sent me my credit report first and two letters afterwards where they stated the bankruptcy was verified and no change was made.
After 1st letter 1st response by XXXX XXXX XXXX, 2017 was to send me copy of credit report ; said I asked for it but I did n't.
2nd letter to XXXX response bankruptcy verified after investigation ; XXXX XXXX, 2017 3rd letter to XXXX  response XXXX XXXX, 2017 ; again verified the bankruptcy after investigation and still no change made to my credit report. I know I can file a small claims suit against XXXX but I can not afford to do this. XXXX does not have the legal right to retain this bankruptcy much less report it. Is there a way for you to intervene on my behalf so I can get this bankruptcy deleted once and for all? I would appreciate any and all support you can give me in order to make this right, Thank you.
Consumer complaint received 2022-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair credit reporting act ( XXXX XXXX XXXX XXXX  Account # XXXX ), ( XXXX Account 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: 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: EQUIFAX, INC. (WA)

I have a Repossession account on my credit profile report on XXXX In the name of XXXX XXXX XXXX and the same account on Equifax by XXXX XXXX XXXX those accounts was attached to a repossession that was already deleted off my account that was XXXX XXXX XXXX but those two are still one my credit profile.. those are all the same Credit union it was XXXX, XXXX then XXXX XXXX XXXX they just bought it out and merged together.. i have provided the police report and will provide it again i have called them and told them they even misspelled my middle name and put payments on there that was never paid because i have never opened the account
Consumer complaint received 2022-05-29
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. (TN)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX  XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} XXXX, XXXX  XXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX  XXXX  ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.