davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-06
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. (TX)

I submitted an official FTC Identity theft report to all three credit bureaus ( Transunion, XXXX  and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called TransUnion on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND XXXX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

REPORTED DF address is Attn : Research Dept XXXX XXXX XXXX XXXX, XXXX XXXX, however as you see in the included image photo the alleged creditor XXXX XXXX XXXX, XXXX. failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY as the " returned letter '' states in clarity " Return to sender NO LONGER AT ADDRESS ''. How is this not misleading or even deceptive reporting practices? Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT!
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC. (IL)

Calling from XXXX area codes and not letting me put them on a DO NOT CALL OPTION. When I pressed the # 2 it took me straight to a human and I asked who gave you this #? He said your wife and hung up. Now I blocked that # but it will just be a different one another day. I thought the US GOVERNMENT put a stop to these harassing calls??? I tried to call the # back and it wasnt a working #.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (UT)

I had some fraud on my card, so I called to report the fraud. They submitted a fraud case and deactivated that card, saying I would get a new one. I called a week later when I still didn't have a new card and I needed to login to the website to see my balance, but could not because my card was deactivated. I called in to ask the status of the new card and they said it was never requested. So I " officially '' requested it and asked for it to be sent to me immediately because I have over {$50.00} that I now have no access to and will be charged an inactive fee for not using my card in the 30 days. It's now been a month and still no card. No access to my account ( and thus, my money ).
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I had an account in collections with Capital One with was sold to XXXX XXXX ... I have since paid XXXX XXXX the debt almost 1 year about and last XXXX XXXX Funding has now been placed on my credit report to try and collect for this debit yet again. I have tried several attempts to have them removed by calling them, sending them letters and also contacting the credit report agencies.
Consumer complaint received 2017-06-15
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: The Thomas Agency, Inc. (ME)

XXXX / XXXX / XXXX  ... the  Thomas  agency  XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the  Thomas  agency.  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the  Thomas  agency.  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  Thomas Agency, all said it would be corrected and removed, due to billings clerical err ors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
Consumer complaint received 2017-06-15
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: EQUIFAX, INC. (TX)

In  XXXX  of  XXXX , I recevied my full, free annual credit report. It showed an account in collections from a company I have never heard of,  XXXX   XXXX , on behalf of another company I have never heard of called   XXXX   XXXX    of  XXXX . I reported this to Equifax,  XXXX , and   XXXX    as an error.      XXXX  and  XXXX  immediately removed it from my report. Equifax did not. They reported to me that   XXXX   XXXX   verified the debt of {$150.00} to them.     I contacted   XXXX   XXXX   directly to dispute the debt. They informed me many weeks later via written letter that they could not confirm or deny that the debt belonged to me due to HIPPA regulations and directed me to contact  XXXX   XXXX  of  XXXX  directly to dispute the debt.     On  XXXX   XXXX ,  XXXX  I wrote  XXXX   XXXX  of  XXXX  a letter, delivered by  USPS , to dispute the debt and ask for any documentation they have to support their claim that the debt belongs to me. They have not responded to my request in any manner, but my current Equifax credit report states that     XXXX   XXXX   is still claiming I owe them a debt of {$150.00} as of  XXXX   XXXX ,  XXXX .
Consumer complaint received 2018-08-23
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. (GA)

On XX/XX/2018, I attempted to dispute an account from XXXX XXXX ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (DC)

I had an account in collections with XXXX  XXXX with was sold to XXXX XXXX ... I have since paid XXXX XXXX the debt almost 1 year about and last XX/XX/XXXX XXXX XXXX has now been placed on my credit report to try and collect for this debit yet again. I have tried several attempts to have them removed by calling them, sending them letters and also contacting the credit report agencies.
Consumer complaint received 2019-05-06
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. (MN)

Transunion I'm sorry But you Guys are in major Violation Of the FCRA. after reviewing my credit report with my lawyer today and he Pointed out some Violation that I had Missed I need you to take a look at what you are reporting on a XXXX XXXX XXXX credit file account # XXXX you are reporting a Charged off account with a past due amount OF XXXX on a charge off how is this possible please explain? Violation 2 ) the account is reporting a balance of {$5400.00} this CAN NOT REPORT THIS WAY XXXX XXXX XXXX HAS SOLD THE ACCOUNT ONLY THE 3RD PARTY IS ALLOWED TO REPORT THE BLANCE.. ALSO YOU ARE NOT REPORTING WHO THE ACCOUNT WAS SOLD TO SO TRANSUNION I'M GOING TO NEED YOU TO DELETE THIS ACCOUNT IMMEDIATELY! THANK YOU FOR YOUR COOPERATION FCRA IS VERY VERY CLEAR ABOUT THIS
Consumer complaint received 2017-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BYL Collection Services (DE)

BYL Collection Services violated my rights by never contacting me regarding a debt that has supposedly been sent to them for collections. They place a collection account on my credit report without proper notification that I owed a debt with them. They never sent me any billing statements and still have not sent me any billing statements or notification I owe a debt with them. I found out through my credit report monitoring service that they placed a collection account on all  XXXX  of my credit reports. I never had an opportunity to dispute the debt which they claim I owe nor have been given an opportunity to ask for proof of the debt with them. They have violated the FDCPA and the FCRA! Due to their unlawful practice I have been denied credit and my credit scores have dropped significantly! After review of the CFPB website it appears this is a typical practice of this company for violating consumer rights under both of these acts and I will be contacting an attorney regarding filing a class action lawsuit!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2017-06-15
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: McCarthy, Burgess & Wolff, Inc. (FL)

On  XX/XX/XXXX , I opened an account with  XXXX  for cellular service. After a few days, I decided that this was not a good plan for me. I closed the account and return all the equipment on  XX/XX/XXXX . On  XX/XX/XXXX , I received the first notice relating to this matter from  McCarthy, Burgess and Wolff.  I never received any communication from  XXXX . After receiving that first noticed, I immediately called  XXXX , spoke to  XXXX  #  XXXX , she stated that she could not pull the records and that I would need to speak to a lawyer. She transferred me to th e Collection Agency,  I spoke to  XXXX   (  operator ), and she then transferred me to  XXXX   XXXX  (  XXXX  ext  XXXX . I explained that this should never had been sent to collections, because all the equipment was returned on  XX/XX/XXXX . Furthermore, the  XXXX  statements have the wrong address. That is not my address, nor as it ever been.  XXXX  stated that she would submit a dispute on my behalf. Then, on  XX/XX/XXXX  I called and spoke to  XXXX , she said that the dispute was never done by  XXXX   XXXX . She said that she would put in the dispute and that I need to wait 30 days. I asked to speak to the supervisor  XXXX   XXXX  ext  XXXX . Explained the situation, he said that he would call me back, but he never did. I called him back on  XX/XX/XXXX , where I had to repeat the issue to him, he said that he needed to file the dispute again. He could not give a time frame for resolution. He was unethical and did not do what he said he would do. The bottom line is that that  XXXX  put me in collections unlawfully, which impacted my credit report for equipment that was returned on  XX/XX/XXXX . I have attempted to resolve this matter with the collection agency and  XXXX , but neither is responding accordingly. I should have never been put in collections for this matter. Furthermore, the impact on the credit report effected my ability to get business loans for my business.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX / 17  (  2  MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM EXPERIAN AND  XXXX .  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-03-18
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. (NY)

In accordance with the federal credit reporting act this creditor has violated my rihjt under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX I contacted American Express through their chat help window to inquire if I was eligible to receive the bonus on their new XXXX XXXX Credit Card. The chat agent assured me that the only reason that I would not receive their bonus is if I had applied for the same card previously, and encouraged me to apply under the pretense that I would be receiving the bonus because he confirmed that I had never applied or held the XXXX Credit Card. 

I received the card and completed their {$5000.00} minimum spend to receive the bonus on XX/XX/XXXX, and made a payment in full on XX/XX/XXXX. 

I then contacted their chat agent on XX/XX/XXXX to inquire about when I would receive my bonus points and at this time I was told that I was not eligible and that their chat agent had given me incorrect information.
Consumer complaint received 2018-08-23
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. (FL)

My previous complaint filed here had a typo on the hard Inquiry date. The correct date of the disputed inquiry is XX/XX/2018 On XX/XX/2018 I submitted an online dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/2018 Equifax replied with confirmation Number XXXX stating that they had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. 

On XX/XX/2018 Equifax replied with confirmation # XXXX stating that there is no XXXX inquiry on my report and sent me a copy of the report. The report sent by Equifax now shows an inquiry with the name " Utilities '' dated XX/XX/2018 instead of the name " XXXX ''. 

Equifax provided me with the following invalid address : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable. 

Equifax seems to be playing name games here and has not removed the hard inquiry dated XX/XX/18. I demand that the hard inquiry dated XX/XX/2018 be removed immediately.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,