davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I XXXX XXXX drafted up and sent a letter on XX/XX/2021 stating that the federal violations that Convergent Outsourcing has violated in regards to an alleged debt. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy. 

Convergent Outsourcing did not have any permissible purpose as well as was provided written permission to do this, these are federal violations subject to a {$1000.00} fine in accordance with 15 USC 1681n - Civil liability for willful noncompliance. 

After sending the letter I have not heard from Convergent Outsourcing regarding this issue.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I, swear this information in my sworn statement is truthful to the best of my knowledge and understanding. My affidavit is being sent to you in response to you reporting the accounts above on my credit profile with your consumer reporting agency. Both the claims are disputed as inaccurate reporting and should be immediately deleted from Medical Data Collections Account and the 30 Day late payment from XXXX XXXX XXXX Account. 

Pursuant to 15 USC 1681b The Law clearly states by definition that investigation on a consumer reports according to 15 USC 1681a ( XXXX ) ( c ) ( XXXX ) is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. THE LAW IS CLEAR BELOW, ( XXXX ) The term investigative 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Equifax HAS NOT SPECIFICALLY addressed why they continue to respond that they are contacting the reporting agency to investigate when the law states clearly under 15 USC 1681a ( XXXX ) ( c ) ( XXXX ) " such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Equifax HAS NOT ADDRESSED that Under 15 USC 1681b you do not have permissible purpose from me ( the consumer ) under my FCRA rights to furnish either the 30 day late reporting for XXXX XXXX XXXX or the XXXX XXXX XXXX on my consumer report. The Law is clear : Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I want my specific FCRA Rights upheld. 

Equifax offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-02-03
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Filed a dispute and they denied my fraud claims that I didn't useb these XXXX stimulus cards so I appealed it and they started 90 days to receive results that was meaning the 90 days was up on XX/XX/23 and i keep getting the run around saying there's no updates at all
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After receiving a copy of my credit profile i noticed a few unrecognizable inquiries that i asked the bureau ( XXXX ) to remove who then gave me the run around a then no update.
Consumer complaint received 2024-02-01
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. TransUnion date of last active is XX/XX/XXXX, XXXX date of last activity is reporting XX/XX/XXXX and XXXX date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with XXXX every month as a charge off and is reporting with XXXX as being paid on time. Date of last payment with TransUnion and XXXX are reporting date of last payment XX/XX/XXXX but with XXXX date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.
Consumer complaint received 2022-12-26
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. (CA)

The unverified ITEMS listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-31
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. (GA)

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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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. (MO)

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

XXXX # XXXX, XXXX 's # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  Bankruptcy # REF : 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (VA)

In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included  XXXX   XXXX   XXXX  as a creditor.  XXXX   XXXX   XXXX  continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These following inquires Immediately. 

I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX removed as this is not my account and was open fraudulently. 

XXXX XXXXXXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.T.R. Financial Services, Inc. (NY)

I went to a famous pianist concert on XX/XX/2023 at XXXX XXXX. The concert hall was full with people and there was not enough fresh air circulation. I felt dizzy and I tried to get out from the hall and I XXXX. XXXX XXXX called XXXX XXXXXXXX XXXX-Ambulance. I told to officials at XXXX XXXX that I feel better and I just need a little time to take a rest and get some water. I noticed clearly that I do not want the ambulance because I do not have money to pay the expensive ambulance service fee. Meanwhile, I called to my husband who is a XXXX  and he was driving to XXXX XXXX to pick me up. 

Nevertheless, the ambulatory people came and they tried to communicate with me. I continuously told them that I can not pay for the service bills so I don't need them. They refused to LEAVE because since XXXX XXXX called them, they suppose to stay next to me. They also refused ME to leave the site. I had NO option to leave the site and refuse them to stay next to me neither. Most importantly, I did not call the ambulatory service and I did not take the ambulatory car. 

After a couple of minutes, my husband arrived, and checked my blood pressure. He said everything is fine and we left for home. 

A couple of days later, I received a bill from XXXX XXXXXXXXXXXX XXXX-Ambulance with the fee of {$520.00} I called the number on the letter. Overall, it was very hard to get connected with a person who I can talk to. When I finally got connected with a person ( over two months later ), I explained all situation and he said someone at the hospital will contact me regarding my dispute. 

I didn't hear back from them for a couple of month, so I thought they waived the fee. I received a letter from R.T.R FINANCIAL SERVIES, INC on XXXX, 2023 that they are trying to collect a debt which was charged from this hospital. I even reached out to R.T. R Financial Services ( telephone : XXXX ) but they didn't answer. 

I entirely disagree with the fees that the hospital charged me. 1. I did not call the ambulance service and 2. my refusal about the ambulatory service was denied, and 3. I did not take the ambulance car. Moreover, the hospital reported to the debt collector even before they respond back to my call.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. I want the following inaccurate items to be disputed and removed.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

There was a fraudulent claim that was filed with Chase Bank regarding a Verified Wire Transfer to my account from XXXX XXXX XXXX. The wire I received on XX/XX/2023 was for {$150000.00}. This money was made available to me with no issues whatsoever. Then on Tuesday XX/XX/2023, I went to the bank and requested 2 cashier 's checks and took out money as well successfully with a bank teller with no issues. I then find out that on that same day my account was placed on restriction due to the wire transfer that I received. I find out that XXXX XXXX  is now claiming this was a fraudulent wire transfer issue. If that were the case, then why did they file a court record document of our agreement regarding this advance request. This was all done legitimately, and I want my money available to me ASAP. This company is lying and is providing false information to Chase Bank to receive their money back for whatever reason they are claiming and I am extremely upset that Chase Bank does not support their customers. I have attached the documents that are legitimate and the agreement that was agreed upon successfully and have include the court docket as well of this agreement. No fraud was committed as these documents were filed in court successfully. Also this funding instructions provided include an audit report that was completed successfully as well with no fraud or errors acknowledged by the company.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$430.00}
Consumer complaint received 2017-06-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE (WI)

Huntington National Bank w ent after me when my ex wife filed bankruptcy. The {$50000.00} Home equity line of credit was awarded to my ex in our divorce decree dated in  XXXX ,  XXXX  in  XXXX , OH. After she filed for bankruptcy they sent certified mail to my parents address, to my Father who has  XXXX   XXXX   XXXX . I did not sign, or live there! Needless to say, he signed for the mail because he did n't know what he was doing. I did n't know that he had signed, or received these documents until after they already went to  XXXX   County Court an d decided to garnish my wages in  XXXX . I tried to contact the Attorney 's and  Huntington  Bank to straighten this out, but was told that they could n't help me. I have been getting garnished for a debt that was never mine to begin with, that should have been taken care of by my ex wife. Which was probably included in her bankruptcy.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act The following account XXXX Account # XXXX, has violated my rights : 1. XXXX XXXX, balance of {$510.00}, date opened XX/XX/XXXX ( would correspond ) 2. XXXX XXXX, balance of {$0.00}, charged off, date opened XXXX ( would correspond ) 3. XXXX XXXX, Balance of {$3100.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 4. XXXX XXXX, Balance of {$550.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 5. XXXX XXXX, Balance of {$300.00} date opened XXXX ( Wouldn't Correspond ) 6. XXXX XXXX, Balance of {$4200.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 7. XXXX XXXX, Balance of {$4300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 8. XXXX XXXX XXXX , Balance of {$1100.00} date opened XXXX  ( Wouldn't Correspond ) 9. XXXX XXXX XXXX XXXX Balance of {$860.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 10. XXXXXXXX XXXX, Balance of {$3300.00} date opened XXXX  ( Wouldn't correspond ) 11. XXXX, Balance of {$280.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 12. XXXX XXXX XXXX Balance of {$2700.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 13. XXXX XXXX, Balance of {$2200.00}, date opened XX/XX/XXXX 14. XXXX XXXX XXXX ( XXXX ), XXXX of {$630.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 15. XXXX XXXX XXXX XXXX XXXX ) for ( XXXX XXXX ), Balance of {$520.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 16. XXXX XXXX XXXX co ( XXXX ), Balance of {$240.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 17. XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), Balance of {$920.00} date opened XX/XX/XXXX ( Wouldn't Correspond ). 
18. XXXX XXXX, Balance of {$1000.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 19. XXXX XXXX, Balance of {$7500.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ). 
20. XXXX XXXX XXXX, Balance of {$1400.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 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