davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (SC)

I am writing to address the matter of a debt collection attempt made by company, CREDENCE RESOURCE MANAGEMENT, regarding an alleged debt. I am disputing the validity of this debt and informing that attempts to collect on it, contact me, or report it to my credit report are in violation of state laws. 

First and foremost, I want to emphasize that I have not authorized this company to obtain my personal information or to contact me regarding any debt. Therefore, any communication or collection efforts made by the company are unwarranted and unlawful.

Furthermore, I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant state laws. According to these regulations, debt collectors are required to provide validation of the debt upon request, cease communication upon being notified of a dispute, and refrain from reporting inaccurate information to credit reporting agencies.

I demand the immediately cease all collection attempts, refrain from contacting me further regarding this matter, and remove any negative remarks related to this disputed debt from my credit report
Consumer complaint received 2023-07-03
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. (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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX has violated my rights. Or 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 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rocky Mountain Recovery Group (WY)

I got a letter a year ago from Rocky Mountain Recovery for a dental collection from a dental office I had never been to or even heard of. I called them and told them there was a relative of mine also named XXXX XXXX who lived in XXXX, Wyoming. They said they would note that. I asked where they got my address and they said they probably " googled it ''. I never heard from them again, but on XXXX XXXX, 2015 I applied for a mortgage loan and my banker pulled my credit and there is a judgment from XXXX County Court and an open collection from Rocky Mountain Recovery reported on MY credit. This is not my debt and I already told them that. I went to their office and they told me they would delete my information, but they were n't sure if that would delete the judgment that is on my credit report. I am extremely frustrated and have spent a lot of time trying to dispute online and get to the bottom of why this happened. I feel like the should have done something other than " google '' my name in order to receive information.
Consumer complaint received 2023-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The CARES Act and Credit Reports states.

If you made an arrangement wit a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after the COVID-19 national emergencies ends. 


XXXX XXXX Is reporting late payments XX/XX/XXXX to my credit report however, I had followed all steps of making valid and on time payments to my account. My account is current via the cares act with this company during those periods however they are still reporting inaccurately to all three of the national credit agencies. I was current before and after that time.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (OH)

I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference. 

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account. 
A thorough investigation into the root cause of the delay to prevent similar issues in the future. 
Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay. 
I expect this issue to be resolved within the exact timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

To Whom it May Concern While checking my most recent credit report I noticed credit inquiries that I did not authorize made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 2022
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

On XX/XX/XXXX, I transferred USD {$11000.00} ( XXXX XXXX ) through Wise to my mothers account in XXXX. Wise received my money on XX/XX/XXXX. On XX/XX/XXXX, Wise sent me an email stating Your transfer [ XXXX ] is complete on our page, but hasnt been paid out by our partner yet. This is because your transfer has reached one of the verification thresholds for sending to XXXX. and requesting additional information/documents to complete the transfer, to which I complied by sending a statement declaring its a donation to my mother. I also submitted XXXX forms of government photo IDs ( Drivers License and XXXX passports ) and a birth certificate. After 2 days, on XX/XX/XXXX, I called Wise to know why the money has not been sent. Although the money has been withdrawn from my account by Wise, the amount has never arrived to the account destination. And yet Wises app and website states that the transfer was successfully sent to my recipients bank on XX/XX/XXXX - how could the money have been received by my mother on XX/XX/XXXX if by XX/XX/XXXX I got an email from Wise stating that my transfer hasnt been completed and my documentation had only been accepted by XX/XX/XXXX? Wise then asked me to send my moms bank statement from XX/XX/XXXX to XX/XX/XXXX to prove that no money has been received by her - I sent the bank statement and have not heard from Wise since. I told Wise to either actually complete the transfer or provide me with a full refund. On XXXX, the Wise account informed me that once a transfer completed, we cant cancel it and refund it to your account - according to Wise, my transfer has been completed and yet no money has been sent to my mother and her brazilian bank is also unable to locate any deposits with the information provided by Wise. I called Wise and they dont provide a protocol to track my case- all they say is that it has been escalated to the proper department, which might take several business days to respond. Over email, it is also taking a long time to get a proper response. As mentioned, I want the money to either be actually sent to her or for it to be fully refund to my account. Wise cant simply claim a money has been sent without providing any proof. I am not happy with their resolution so far and need help to get this resolved.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

At my demand and with the assistance of an XXXX representative my PayPal accounts were supposedly closed a year ago and no further communications requested. 
The receipt of two scam notifications stating my account was charged ( no account number given ) was forwarded to CFPB in Complaint No XXXX which requested confirmation all accounts were closed iand any information secured. 
Soon after PayPal sent another email about messages waiting on my PayPal account which allegedly don't exist : CFPB Complaint Number XXXX. At that time I requested the company be fined for continued communications and that they cease and desist. 
Now, on XXXX XXXX I receive another notice to log into my non-existent PayPal account which is nothing short of continued harassment ( copy attached ).
Consumer complaint received 2022-12-12
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. (UT)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, the credit reporting companies : XXXX, and Experian have not yet removed innaccuracies off my credit report that are causing me major harm as a consumer. The credit reporting companies are slowly taking their time to delete these inaccurate and incomplete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Federal Law, I understand that anything inaccurate should be removed promptly. 
I feel like I am being taken advantage of. I have received denial letters from Major financial institutions due to these continuos errors reporting to my credit report. I am worried I will not be well prepared as a consumer for the next Recession. 


( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2022-12-15
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
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. (MI)

XXXX is reporting an account twice contradicting the XXXX XXXX they have been receiving from the US Dept of Education. I have a copy of the XXXX  the US Dept of Edu sent to XXXX from XX/XX/XXXX US Dept of Edu entered me into the XXXX XXXX XXXX which erases any and ALL negative reporting of all accounts. The US Dept of Edu provided XXXX an XXXX  back in XXXX of XXXX to update all accounts as being paid and remove all negative information, However, XXXX continues to report a US Dept of Edu account opened on XX/XX/XXXX with a balance of {$36000.00}. This account has NO account number reported because it is actually a combination of all the other 19 US Dept of EDU ACCOUNTS REPORTING as paid and in good standing. I recently sued XXXX for the same thing and won, I sued the Dept of Edu and won and now I am suing XXXX. The lawsuit was filed on XX/XX/XXXX and I can not wait to get them in court. 

Further, THe Dept of Edu is reporting all 19 other student loan accounts opened on XX/XX/XXXX. Not Accurate. These accounts were all opened between XXXX through XXXX. Once the dept of Edu transferred them to another department they re-aged all my accounts. Again I never opened any US Dept of Edu account on XX/XX/XXXX. Further, I never opened any US Dept accounts in XXXX, XXXX. 

This is the 5th time I am disputing this incorrect information. I am requesting documented proof I opened any US Dept of Edu account anytime in XXXX. Otherwise all these accounts MUST be deleted. 
I have attached the loan information directly from the FAFSA website confirming the dates I opened each loan. Which proves without doubt the date reporting opened of XX/XX/XXXX is INACCURATE.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Per the FCRA as a federally protected consumer, I am now opting out of all authorization. I the consumer may have given you written, unwritten, verbal, and non-verbal. I am now rescinding that authorization per 15 USC 6802 effective immediately and indefinitely.
Consumer complaint received 2022-12-12
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. (MI)

To Whom It May Concern, Transunion Failed To Investigate & Provide Me With Proper Documentation Of The FURNISHER Whom Is Verifying This Account As Accurate. I Would Like Paper Documentation Of The Company Whos Reporting This Account On My Credit Report.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Solutions, LLC (KY) (AR)

I want to dispute this debt and any other debts that should have been off my record but you continue to renew it after the statue of limitations is up. I want to kindly ask you to please go by the statue of limitations and remove this debt and any other debts I owed from my record. I want them removed from all 3 Crdit Bureaus immediately and my records cleared. Thank you
Consumer complaint received 2023-02-26
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. (TX)

XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX XXXX XXXX l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

This is regarding the same credit card that I filed a complaint on XXXX with Comenity Bank credit card. On Friday XXXX I went to use the credit card for the first time at XXXXXXXX XXXX  XXXX gas station. After inserting the card for payment, the screen on the pump read card reader is inactive and pump is out of order. I requested a station attendant thinking the pump reader was the issue. The attendant looked at the screen and then asked me " do you have a XXXX XXXX XXXX '' as I replied yes, she informed me that the card will not work at their pumps and " no one has that are using the same issued card by that bank ''. I by using Comenity cc shut down their pump and XXXX it and not the first customer but several customers to do just that according to the attendant. She reset the pump which took about 15min to complete.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (NJ)

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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX I XXXX XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX 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.