davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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)

On XX/XX/XXXX I contacted TransUnion about the following inquiries XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX ( Date of inquiry : XX/XX/XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Wakefield and Associates are in violation of the Accuracy in Reporting Medical Debt Act of 2013. Wakefield place this medial debt on my credit report before the 6 month grace period to allow my to pay the debt. Which I was doing. 

Below are the 2 account I have attach the credit report showing this violation 1. Account XXXX, Amount XXXX with a Date Opened reported on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XXXX. This reporting is before the 6-month / 180 days grace period to give XXXX XXXX time to Pay the medical debt. You are damaging his ability to secure debt. Each violation is up to 1000.00 fine for each Violation. 

2. Account XXXX, Amount XXXX with a Date Opened reported on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX  and XXXX. This reporting is before the 6-month / 180 days grace period to give XXXX XXXX time to Pay the medical debt. You are damaging his ability to secure debt. Each violation is up to 1000.00 fine for each Violation. 

I have included the FCRA violation below. 

Accuracy in Reporting Medical Debt Act of 2013 - Amends the Fair Debt Collection Practices Act to prohibit debt collectors, during a 120-day period, from reporting a medical debt ( arising from the receipt of medical services, products, or devices ) to any consumer reporting agency if the consumer, within a specified timeframe, disputes the validity of such debt through a written statement that the consumer is : ( 1 ) continuing to communicate with an insurance company to determine coverage for the debt, ( 2 ) disputing the amount or existence of the debt, or ( 3 ) awaiting a determination on an application for financial assistance when the consumer provides evidence of such application.

Thank you
Consumer complaint received 2019-12-30
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. (MD)

I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS
Consumer complaint received 2019-12-30
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. (CA)

XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX XXXX in the amount of {$97.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (CA)

I received two letters two months ago in XX/XX/2022. The name on the letters was XXXX XXXX which I never saw or used before so I didn't open the letters. A few weeks ago I noticed the my credit score dropped and there was debt collection from DRS - Debt Recover Solutions. Then I opened the letters found there were debt of {$1100.00} and {$330.00} but I never saw or recognized the service provide nor any information in the letters. 

The weird thing is they know my address and social number so they put on my credit report. 

I called DRS and they verified the date of birth is wrong. They said someone steal my personal information including the social number so they put the debt on me. 

This is fraud. I never use the name XXXX XXXX. I never received medical service by XXXX XXXX XXXX. I look up the service group. It is in NJ. I have lived in CA for more than 12 years. This is ridiculous. 

Please help to investigate this. I don't know how to prevent similar things happen in the future since they already got my identity information.
Consumer complaint received 2022-10-01
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. (MA)

XX/XX/XXXX Certified Mail TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXX XXXX XXXX ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
TransUnion previously removed the accounts from my credit file, but I recently discovered this debt is back on my TransUnion credit report. As XXXX XX/XX/XXXX, TransUnion began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, XXXX XXXX XXXX XXXX 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-10-01
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. (NC)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-17
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-14
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. (PA)

I believe according to FCRA 605B, it's mandatory to eliminate any erroneous entries from my credit report. Could you kindly review the documents? Several of the mentioned accounts seem to be incorrect, causing me some distress.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX I requested to close account in XX/XX/XXXX to the district manager. Still open with late history now reported. 

XXXX 2015, I requested to close my comenity credit line.The account showed closed by consumer and then reported open and late history has been added to the closed account that shows open. 
I am attaching my bureau with this complaint. I also have highlighted illegal credit inquiries on my report to date. I never authorized for these companies to pull my credit and never disclosed my personal Social Security number and place of employment. Whoever sent this information to these companies, has given my information without my consent and or knowledge. 
XXXX XXXX regional manager has called all of my personal references on my application more than 10 times and released private information about my account prior to me asking for the account to be closed. They to date still call.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX debt of {$580.00} is not mine the name is XXXX XXXX i do not know who this person is. Please remove this debt on my credit report also i am divorced from my husband XXXX XXXX in XXXX 2015 and he has the XXXX XXXX XXXX. I have removed my name from XXXX please remove my name on this debt. XXXX has the car.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (TN)

I had had a checking account with Regions Bank ( Tennessee ) for years when suddenly they contacted me a few months ago to say my checking account had been flagged. Due to a Covid-19 business closure, I lost my job and my apartment in 2020, and I've been unable to entirely get on my feet since then. Because I no longer lived in the apartment I had, and because I wasn't at a permanent address yet, they said they were closing my account. They gave me one month to give them a permanent address or they were closing it. I begged them not to, but one month later, they closed my checking account because I was homeless. They gave no other reason, and I had never done anything wrong with the account. All I ever bought was food and gas for my vehicle. Then, I found out that Regions was being made to pay customers back for surprise overdraft fees. They had charged me many overdraft fees in the time I was with them, from XXXX. Did they close my account so that they wouldn't have to list me as a person they needed to pay back? They hurt me, and it was unfair and despicable, that because I was homeless, they were red flagging me and closing my one and only bank account. If they owe me money back from the XXXX demanding it, then I want justice for that, and for them closing my account for a fake reason.
Consumer complaint received 2022-10-01
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. (AZ)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report are either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXX XXXX : {$520.00}
Consumer complaint received 2019-11-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (CA)

I'm a XXXX veteran and keep receiving calls from XXXX. They claim to be contracted with the Department of Treasury. 

They are attempting to collect on VA benefits. Approximately {$1000.00}. They called on XX/XX/2019 at XXXX XXXX. 

Their number isXXXX. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-09-13
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: EQUIFAX, INC. (CA)

Inquiries in my Equifax credit report that do not belong to me, I disputed two different times but they keep saying these inquiries are a factual record so they wont delete them. The problem is that I did not authorize those inquiries. 

I have the impression that these inquiries are in my credit report due to the XX/XX/XXXX data breach. 

These inquiries are : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXX,XX/XX/XXXX XX/XX/XXXXAct. # XXXX, XXXX Bank XX/XX/XXXXAct. # XXXX XXXX XXXX Act. XXXX XXXX XXXX Bank Act. # XXXX XXXX, XXXX XXXX XXXX Act. # XXXX, XX/XX/DsnbAct. # XXXX, XXXX XX/XX/XXXX XXXX Act. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXAct. # XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Act. # 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
Consumer complaint received 2022-10-01
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. (TN)

On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the XXXX data breach and May have gotten into the hands of the wrong person.
Consumer complaint received 2022-06-01
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. (IL)

In accordance with the Fair Credit Reporting act XX/XX/XXXXXX/XX/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
Consumer complaint received 2021-06-16
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)

The following account does not belong to me. I have reached out to XXXX, XXXX, and Experian several time via mail in reference to this matter. 

XXXX  XXXX XXXX  acct # XXXX amount- {$420.00} XXXX  XXXX Acct # XXXX amount- {$770.00} XXXX XXXX  XXXX Acct # XXXX amount- {$250.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 XXXX XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2023-08-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Consumer Adjustment Company Incorporated (TX)

The company XXXX XXXX XXXX ) and third party debt collectors ( Consumer Adjustment Company ) have harassed me and threatened to get me fired from my employer and ruin my credit if I do not pay them different amounts of money. I stopped contact with them and now they have reported incorrect information on my credit report.
Consumer complaint received 2022-10-01
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 to the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX & XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, has violated my rights XXXX 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer 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 take 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 information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (GA)

My husband and I were victims of a loan modification scam in XX/XX/XXXX that caused us to become behind on our mortgage payments. When XXXX was made aware of this by the FBI and Civil Rights Authorities they agreed to give us an Uncontrollable Right Off stating that we did not have to pay any more mortgage payments as long as we stayed in our house but must get insurance on it and pay the property taxes each year.We did this and heard nothing from anyone and we have not receive a mortgage statement scene XX/XX/XXXX. Then XX/XX/XXXX we receive a foreclose notice from FCI Lender Services. We stopped the foreclosure by filling Chapter XXXX that was dismissed due to my husband being laid from his job. FCI Lender Services have been does not communicate with us and has again sent us a foreclosure notice postmarked on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. we believe that we are being scam again. We talked to Legal Aid and was told to hired a restate layer but we can not afford one. Our house is currently under a short sale contract and FCI Lenders have still filled for foreclosure again. They did not even give us a thirty day notice.