davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

A credit report dispute was submitted to XXXX on XX/XX/XXXX and completed XX/XX/XXXX via XXXX XXXX in regards to XXXX XXXX XXXX, XXXX. I contacted XXXX to request " debt verification '' letter because I was unfamiliar with the alleged debt they were trying to collect. I was unsuccessful, XXXX was very uncooperative so I enlisted the help of the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and forwarded supporting documentation. The XXXX acted as an intermediary and relayed my debt verification request to XXXX for a second time on XX/XX/XXXX. After some investigation we found that all the contact information on the account belonged to a totally different person. XXXX still maintained that there information was correct. 

More than thirty days have passed since the initial inquiry and XXXX has not been able to provide sufficient proof of alleged debt, so I am requesting that the debt for {$1100.00} from XXXX XXXX XXXX XXXX XXXX, XXXX be removed from my credit report expeditiously. 

Please notified XXXX that if you do not comply with this request, immediate action will be taken against them with the Federal Trade Commission and the Florida Attorney Generals office for violation of Fair Debt Collection Practices Act Section 807 ( 10 ( 11 ) and 809 ( 15 ). Civil and criminal claims will be pursued.
Consumer complaint received 2023-01-15
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. (ID)

Filed a dispute with Experian about an account that was reported delinquent XXXX months prior to it existing, and despite their own report showing that exact information they did not fix it when I reported it. I submitted a dispute XX/XX/XXXX, and received a XX/XX/XXXX that did not correct my report and did not change anything. I filed a dispute directly with the company and I am still awaiting results from them. My reports verifies that my account was opened in XX/XX/XXXX, however it was reported delinquent from XX/XX/XXXX through XXXX of XXXX despite the account not even existing during that time frame.
Consumer complaint received 2023-01-15
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. (VA)

A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : XXXX Number XXXX XXXX The account violated 15 U.S. Code 1681b. 
I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2022 my account was closed due to {$400.00} or more overdraft fees that were not authorized and they would not credit my funds back and Im sure there was plenty over drafts that I was charged for.
Consumer complaint received 2022-10-02
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)

My name is XXXX XXXX. I have new and updated information regarding XXXX failure to comply with federal law. 
I have requested on several occasions that XXXX and Transunion PROVIDE ME WITH ALL DOCUMENTS that were used during their reinvestigation. Pursuant to 15 USC 1681d ( b ) XXXX AND TRANSUNION SHALL PROVIDE ME WITH A COMPLETE AND ACCURATE DISCLOSURE OF THE NATURE AND SCOPE OF THE INVESTIGATION. This should have been delivered to me within five days of requesting. This is a violation. 
The only response I keep receiving is that they have verified with XXXX XXXX the alleged account belongs to myself the consumer. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) XXXX and Transunion assumed this vital role in assembling consumer credit and other information. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX and Transunion failed to exercise their grave responsibilities with fairness, impartiality, and respect for my right to privacy as a consumer.
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. - 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-22
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. (FL)

I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has put a freeze on my report, they stated they sent out a code that is required to unfreeze my report but i have yet to receive it in the mail. Transunion is also displaying a number of inaccurate delinquite accounts that are affecting me from accessing credit from other lenders this is an unfair practice according to the FCRA pursuant to 15 usc 1692e8 False or Misleading representation. I just ask that all negative accounts be deleted immediately. I have endured emotional distress from this company and trying to get them to come with a solution. if this matter is not resolved i will pursue litigation against Transunion in this matter of suing them for actual damages sustained. This statement is deemed to be true and accurate. 

-sincerely XXXX XXXX
Consumer complaint received 2019-12-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I have been trying to repair my credit rating after a long illness. One of the main reasons that the credit reporting agencies state for my low rating is that I have no mortgage experience. My last mortgage was in 2004. I currently own my home free and clear. Why is this being held against me? I would think this would be a positive rather than a negative. None of the agencies will let me add a statement without paying. This practice needs to go.
Consumer complaint received 2024-02-22
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$2700.00} XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (SC)

I sent a certified debt validation letter on XX/XX/2021 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (OK)

I reviewed my credit report in XX/XX/2020 and found that I had an outstanding medical debt owed. I payed the debt in full. Subsequent checks of my report show that the debt was not paid in full and that there is still a charge that I do not owe. I have contacted Eastern Account System, Inc. via their contact page and received no response, nor has any correction been made to show that I have paid the debt in full.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc. (CO)

Today XX/XX/2021, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. I contacted the phone number they listed on the card and was answered by an automated system. I followed the prompts, and the system said my request could not be completed. I tried again and got the same result. I tried again and clicked 0 in the hopes I would get a representative, but that line seems to only be automated. 

It gave me instructions to mail a request to the company to receive my free copy. Those instructions were to send a copy of my social security card, a copy of my drivers license, a copy of my utility bill, my DOB, and a list of the addresses I lived at in the last 5 years. To be frank, because their system could not complete my request over the phone, I am already worried that the NCTUE has collected fraudulent information on me, and I will not open myself up to more fraud by sending sensitive documentation to them through the mail. 

Because of this, I really need to get in contact with a real person at the company, not just their limited automated system. I did try to reach them in other ways. Their letter stated they are managed by XXXX but are not owned by XXXX, so I called XXXX  to see if they could direct me to a NCTUE representative, but they only gave me a phone number that went to XXXX  XXXX XXXX, who did not pick up the phone. 

I would like to receive my free report ASAP in order to counteract any fraud being committed against me, and I would like to do so without sending them a copy of my Social Security card. I have never heard of this company before and don't trust them to dispose of it properly, especially given their poor service so far. I also think this could have been easily resolved if they had made a representative available.
Consumer complaint received 2019-02-02
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: Garrison Investment Group (NJ)

During a recent review of my credit report, I noticed a credit inquiry by XXXX XXXX XXXX dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they received an application for credit from XXXX by XXXX and verified the credit inquiry. I sent a second letter via certified mail to XXXX XXXX that was signed and received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and 90 days since my initial communication ), XXXX XXXX has not responded to my request for verification and have not noted my dispute on my credit profile, as required by law including for credit inquiries.
Consumer complaint received 2023-06-13
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: CCS Financial Services, Inc. (AL)

The following accounts were reported to my credit file without my consent : Date Account Name & Number Action XX/XX/23 CCS CollectionsXXXX Added false information to file XX/XX/23 CCS CollectionsXXXX Added false information to file XX/XX/23 XXXX XXXX Added false information to file Under 15 U.S Code 1681b-Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2022-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.
Consumer complaint received 2022-01-26
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. (NY)

Reporting inaccuracies on my credit report I recently disputed with all three bureaus that took more then 30 days for any validation or verification documents to be sent to me I have recently these items are inaccurate and need to be removed
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

Not only have I never heard of this agency/service, but I NEVER consented in any way shape or form for my information to be shared/used by or to this agency/service. Since when do any bankruptcy courts report to credit agencies/services? Last time I checked they DONT. I DEMAND this service & ANY other service that shares my information without MY CONSENT be completely removed or cleared from ALL credit report ( s ) IMMEDIATELY!
Consumer complaint received 2023-06-13
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: CITIBANK, N.A. (MN)

The account below is not my account. I DID NOT open this account this is fraud and NOT my account. 

XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {XXXX} written off. {XXXX  past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {XXXX Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {XXXX} Highest balance {XXXX} Terms I would like for them to remove immediately it is hurting my ability to obtain credit. 

Thank you-
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I was charged fees for two or more years for having less than a minimum in my checking account. Wells Fargo NEVER notified me via mail or email! I never received any statements alerting me of the charges.
Consumer complaint received 2023-06-13
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: Early Warning Services, LLC (IA)

Attached is a letter I received from XXXX XXXX in regards to a data breach and my personal information being compromised by the XXXX  breach. The following hard inquiries currently listed and showing on my XXXX and XXXX credit report is fraudulent, unauthorized, not my hard inquiries and is the result of the XXXX XXXX XXXX breach that was discovered on XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX Card, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maury Cobb, Attorney at Law, LLC (MD)

To Whom It May Concern : I am submitting a complaint regarding inaccurate credit information and improper debt collection practices by XXXX XXXX XXXX ( also doing business as Maury Cobb Attorney at Law, LLC ). Despite my disputes, they continue to report incorrect debt information related to an alleged XXXX XXXX. 

On XX/XX/XXXX, a collection account was added to my XXXX, XXXX, and XXXX credit reports by XXXX, showing I owe {$730.00} on XXXX and XXXX and {$730.00} on XXXX for a XXXX XXXX. However, XXXX failed to properly notify me of my right to dispute this debt and also has an incorrect address associated with the account. 

I have no knowledge of this debt and assert I do not owe XXXX Collection Services, Maury Cobb Attorney at Law, LLC, or XXXX any money. The inconsistent balance amounts they reported on the three credit bureaus also demonstrate the inaccuracy of this supposed debt. XXXX XXXX XXXXMaury Cobb Attorney at Law LLC has no proof of this debt actually belonging to me. 

I sent XXXX a written dispute on XX/XX/XXXX explaining all these issues but received no response. They continue violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act by failing to validate this illegitimate debt and not correcting erroneous credit information when disputed. 

I am prepared to enforce my rights under federal and state debt collection laws through legal action if they remain non-compliant. Please help me resolve this issue with XXXX XXXX XXXXMaury Cobb Attorney at Law LLC . 

The account number : XXXX for Maury Cobb Attorney at Law LLC and the one reported on my credit report lists a partial account number but is : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.