davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Berlin-Wheeler, Inc. (Kansas) (FL)

CFPB + Berlin Wheeler + XXXX, On the attached letter dated XX/XX/2022 from Berlin Wheeler it clearly states they are requesting XXXX completely remove/withdraw the below tradeline from my XXXX credit report asap : XXXX : XXXX ( Client XXXX XXXX XXXX The letter states Berlin Wheeler has been requesting XXXX to XXXXemove/withdraw this and I have also submitted with XXXX to remove/withdraw this XXXX and now I am requesting this again. 

Enclosed with this complaint are : - my drivers license - my address- my social security number proof - my dispute letter - Berlin Wheelers latest letter dated XX/XX/2022 - my XX/XX/2022 XXXX credit report where it still shows its on my report XXXX, please have this removed/withdrawn as Berlin Wheeler has instructed you to do many times as this incorrect information is damaging my credit and interfering with my ability to obtain credit.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/2022 I sent money to someone I found on XXXX XXXX XXXX XXXX for a XXXX they stopped contact after the payment went through never got my money or tracking number for the XXXX
Consumer complaint received 2019-09-08
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. (FL)

Contacted XXXX XXXX by mail asked them to remove all late fees, nothing was sent back so by law that was a consent to remove all late payments. The payments all have been brought to a positive balance however, they took my money and didnt produce or perform their obligations to remove all late payments. 
Called by phone and the representative informed me that he was going to send my concerns to another department.
Consumer complaint received 2022-08-29
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: Esusu, Inc. (GA)

I checked my credit report and saw this company who I've never heard of nor had an account with. I tried to call no answer voicemail. So they said email or text I did both. I XXXX  them it's says it's a rental assistance program. I'm a XXXX  XXXX government assisted client and can apply for any other program. They said on the CR that high balance XXXX $ my rent has never been XXXX XXXX I've disputed with all 3 agencies.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

Macys/DSNB is not following the XXXX XXXX compliance guidelines. Comments made by the creditor does not indicate that the account was settled. In accordance to XXXX XXXX, the creditor has to indicate the first date of delinquency. The creditor does not include other XXXX XXXX information such as payment status. The creditor failed to correctly report credit information. According to FCRA, creditors are required by law to report information correctly. I have contacted this creditor several times regarding correctly reporting information and they will not comply with reporting information in accordance to FCRA and XXXX XXXX. Therefore, this account should be deleted from my credit report.
Consumer complaint received 2022-08-18
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. (GA)

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-08-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-08-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

On XX/XX/XXXX, I received a collection notice from Wakefield & Associates with charges from XXXX XXXX XXXX for a debt of {$490.00}. I took steps as described in the collection notice and sent a dispute of these charges by registered mail well before the limit date of XX/XX/XXXX, and they received the registered mail on XX/XX/XXXX. I did not receive any paperwork or documents with proof of this debt being mine even though they were supposed to send the information that shows I have the debt. On XX/XX/XXXX, I got an alert from XXXX that Wakefield & Associates reported this debt to the credit Bureaus even though they received confirmation from me that I wanted to dispute these charges. 

After receiving the registered mail with the dispute notice they should have sent me proof that this was my debt but instead took the unlawful measure to report me to the Credit Bureaus before any proof or further information even after I sent a registered letter of dispute exactly as outlined. I did not see that they reported me to the Credit Bureaus until it was posted to my credit report which negatively impacted my credit score by XXXX points. Please see attached the debt collection letter, a copy of the letter of dispute I sent, the receipt from the registered mail, and the tracking form from the XXXX tracking which shows that they received the letter of dispute on XX/XX/XXXX. 

I'm a XXXX XXXX XXXX  just barely trying to start my credit. I have had an amazing credit score and have been taking care of my XXXXredit score for my future and for current expenses such as school and my first car. This collector company reported me without sending any further information even after I disputed this collection.
Consumer complaint received 2020-08-03
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. (CA)

I have sent full documentation to every credit buearu in regards to incorrect collection incorrect credit card balances an paid collections that were to be removed per agreement on XX/XX/XXXX. The disputes were started an i was found to be correct yet NONE of the changes have been made or updated holding my credit score down so low I cant get approved for a home morgage even though i have a 3.5 % down payment. I am beyond angry I have called everyone an i am fed up with this wrong an illegal acts i want my report corrected now!
Consumer complaint received 2022-08-18
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: ERC (MS)

I have disputed this collection account numerous of times with Enhanced recovery company XXXX XXXX XXXX XXXX XXXX. This company deletes the account just to add it back months/years later after not sending validation of the debt from the previous times it was disputed. Its getting a bit frustrating having to deal with this company after they have failed to validate this debt and ignoring your letters
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SUNCOAST CREDIT UNION (FL)

Received a debit card in the mail with my name form Suncoast Credit Union I never contacted or opened an account XX/XX/22. I also received an email from the bank saying a new account was made in my name. I called the Suncoast credit union to inform them that was not me and they stated they would have to send me a digital identity thief package for me to fill out in order to close account. I did not receive that email package.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of XXXX because I disputed those accounts again and was just told why it got added back previously as per XXXX  reps.i was told they will not be doing a reinvestigation into this dispute. XXXX told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of TRANSUNION, XXXX, XXXX have aided this fraud by not properly verifying these accounts. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently immediately.
Consumer complaint received 2023-01-26
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST HORIZON BANK (GA)

First Horizon XXXX XXXX XXXX XXXX, XXXX, TN XXXX The main conflict occured roughly XX/XX/XXXX XXXX XXXX XXXX the beginning I was treated as if I wasn't a customer and a liability by the XXXX XXXX. That goes into great detail. Long story short, she got a false accusation from a third party saying I had a warrant for my XXXX  commanding I be removing from my home by XXXX instructing him to take all my bank information from the old account documents card ect which he didnt do because he knew and stated the situation was crazy ( with multiple lengthy calls XXXX? ). She then started a financial investigation writing Negative {>= $1,000,000} XXXX onto the account, started an elderly abuse investigation and I was told after all was settled the account would be re opened. I think the financial abuse investigation was terminated by her as 13? 14 days hadnt passed and she had switched the account off within probably 4 days. I passed the investigation ( s ) and now im being told more lies and excuses as to why I can not open the account or as to why it hasnt re opened. Ive called multiple managers and they all give a different answer. It hasnt been 2 years and she opened his old account with his deceased adopted daughter who passed as of XXXX and they are telling me I can not open the account and that I have no grounds and that two people need to be present. Which doesn't seem to be their track record or what I was originally told. They also claim there was no significant amount of cash in the account before closure, which there was. And claim the account is at a XXXX balance which makes it not worth opening ( thats because all funds were moved right around the same time I deposited a check ), but if there was cash in there they could do something. TO much XXXX. Also told my grandfather I was stalking him and told me I hacked him because she didnt change my email off the account when she switched things over. I was doing my research and heard it can have future penalties, and they wont disclose any information from the account to me so I Dont know if it was closed as an on going financial abuse investigation or what have you. I appreciate your help thank you. Also reported scam transactions on the account and was called stupid, and then blamed for it a few days later when XXXX got hit with a bigger false transaction by XXXX. 

I really dont want the company to " review '' this, as soon as I went in to speak with XXXX to settle this issue she opened her email and sent a message out ( as were speaking ) which dulled the communication I was getting from other Bank Managers . 

I am also currently very sick and navigating through life has been hard, should be getting the medicine soon and over this turmoil.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (HI)

I have been paying them XXXX a month for two years. In that time several items that are on my report would go off then only to return after time back onto the report. Last month a new unrecognized creditor placed a collection on my report so they began the validation process and only to have them completly droped the ball on the solution when this particular creditor summoned me to court. They claimed they could do nothing and I would need to hire a lawyer. They did nothing.

They also give no real advice or solutions for credit repair. My score on XXXX is lower now than two years ago when I began with them. What is their service for if it isnt a permanent solution. I even followed directions and opened a few new credit lines as guided by the-different reporting agencies to boosts my score and only to have a debt collector threaten me and follow me and place a debt I knew nothing about on my report. I now know its from an old credit card. Why would they advertise that they can get things removed from your report if they only come right back on shortly thereafter and they refuse to do anything as they know there is nothing they can do in the first place. Its only a band aide. Why not tell the truth in beginning and I wouldnt have spent all that money for two years for nothing really.
Consumer complaint received 2023-01-26
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. (IN)

XXXX XXXX continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.
Consumer complaint received 2022-03-07
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. (LA)

I was taken advantage of several laws were being broken under the fcra by your company this is causing financial injury, defamation if character I can't apply for credit under theses crisis can't uptain credit. Credit report not accurate with XXXX
Consumer complaint received 2022-08-18
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: Resurgent Capital Services L.P. (MS)

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I requested the credit bureaus do a verification of a few account for accuracy. They completed their investigation with the companies in question ad stated all information was verified and accurate. i decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the FCRA, these creditors listed below has violated my rights under 15 U.S.C 1681 sec 602A. states I have the right to privacy 15 U.S.C 1681 sec604 A sec 2. States a consumer reporting agency can not furnish an account without written consent 15 U.S.C 1681 sec 623. All data must XXXX % accurate and verifiable XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-01-26
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. (IN)

XXXX XXXX  continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC. (AL)

I contacted the company and told them i didnt want any information obtained or released. They now have obtained personal information including date of birth and debit card numbers. They also now are saying i owe a certain amount that i received an email saying it was paid. I need this debt removed because i was told it was paid, and i did not approve any release of records or personal information.
Consumer complaint received 2022-08-18
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. (VA)

I completed a Deed in Lieu of foreclosure which was recorded XX/XX/2018. A deed in lieu should fall off credit reports after 4 years. We are almost 8 months past this date and some agencies, like Experian, are still showing the information and have also denied a dispute.