davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

This company, XXXX XXXX reported this account too quickly and soon after they notified me of the balance. I feel that it should be investigated how long they gave me to pay the balance before they reported it to collections. I paid this balance in full to collections soon after it was reported. 
and it shows an incorrect date of being reported on XX/XX/XXXX. This account was reported on XX/XX/XXXX and this is shown next to 'Date Assigned ' on my report ( see attached ). I believe that the company intentionally keeps updating the date that it is reported to prevent it from getting off my credit report. This collections should disappear on XX/XX/XXXX because it would have been 7 years but this company, Fair collectionsXXXX intentionally updated the date it was reported to XX/XX/XXXX to keep the collection on my credit report longer. There are two accounts that this company is doing this for.
Consumer complaint received 2024-02-27
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. (MO)

I am writing to bring to your immediate attention a matter of urgent concern regarding fraudulent items on my account. It has come to my attention that unauthorized transactions have been made, which have compromised the integrity and security of my financial information. 

As a victim of fraud, I am deeply troubled by these unauthorized activities and demand that they be addressed with the utmost urgency. These fraudulent charges not only jeopardize my financial stability but also erode my trust in your company 's ability to protect its customers. 

I insist that these fraudulent items be swiftly removed from my account without further delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and rectify the situation to prevent any further harm to my financial well-being. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Portfolio Recovery Associates have repeatedly harassed me in the form of phone calls to get me to pay this debt I don't owe due to identity theft. Now they're threatening litigation, which they legally can not do because they have the wrong person. Whatever amount they're claiming I owe, this isn't true. Everything they do is in fraud. In fact, they're known to have people pay in full, and then charge them again and again to pay ( after it's paid off ). This company is known to call up daily before, during and after working hours. I have repeatedly reported them to the FTC for breaking the do not call list. Everything this company does is fraudulent when it comes to debt collection, and I'm not paying them anything because they have the wrong person. Their behavior must stop immediately.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

I have tried twice today to request my free annual credit report from Equifax. I have 3 mortgages, 2 car loans, and 5 credit cards. The questions that are asked on the website to verify my identify are not specific enough and it is impossible to decipher which account they're asking about. A question regarding my mortgage monthly payment could have a correct answer of XXXX, XXXX, or XXXX. A question about my monthly auto loan payment could be {$730.00} or {$330.00}. It's a guessing game where I get permanently locked out of my credit report if I'm wrong. 

I have called twice, they have extensively verified my identity ( since I could clarify which account they were quizzing me about ) but will not grant me online access to my credit report. I do not  recall having this issue with any other credit bureau ( as they specify the opening date of the account they are asking about ).
Consumer complaint received 2022-06-10
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. (VA)

I filed a dispute with Equifax regarding several erroneous collection accounts on my credit report. I sent my dispute via certified mail and received confirmation that an employee signed for it on XX/XX/2022. As of today, I have not been able to reach anyone at Equifax. There is no record of my dispute. In addition, I need these resolved in order to pass a background check for an offer of employment. This is affecting my ability to support myself and is causing a significant amount of financial strain on me. 

I would like for Equifax to remove all the collections from my credit report at this time. I have a copy of the dispute letter for all of them as well as the receipt from the certified mail, which contained my dispute.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I obtained a loan from XXXX on XX/XX/XXXX for my taxi business. The money was deposited by XXXX into my Capital one personal checking account on XX/XX/XXXX which was the only account I had at the time. I now need the money to close on the XXXX for the taxi on Monday but I am being told by the bank that my account has been flagged. I was asked to submit my taxes and business documents for investigation and I did that on XX/XX/XXXX. I tried to find out when the investigation will be completed but the bank is unable to give me a definite date. I called XXXX on XX/XX/XXXX to find out if there were any issues with the loan and I was told by XXXX that the bank had no right to hold on to the money. I called capital one on XX/XX/XXXX to check on the status of the investigation but was told that they had no date. I need the money to close on the XXXX  by Monday or I will lose the XXXX  and I will not be able to get another XXXX  for the same price as the price of XXXX  keeps increasing. All my income is deposited in this account and I am unable to access the funds. I can not even withdraw money for my personal needs or to take care of my family. I will appreciate it if you can assist me to resolve this issue.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio RecoveryXXXX XXXX XXXX has been mailing and calling and harassing my family and I about a debt that would be too old to collect on but I do not owe them any money anyway.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (FL)

A Target credit card was opened in my name and sent to my address. It was sent at the end of XX/XX/2021. I contacted the credit card company on XX/XX/XXXX and closed the account. I reported as fraud.
Consumer complaint received 2018-10-09
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: Experian Information Solutions Inc. (AZ)

There are two accounts with this bank that are included in a chapter XXXX bankruptcy that has been XXXX. The bankruptcy was under my wife 's name and I was awarded a community discharge as a result. The bank did not show up to the meeting of creditors nor did they respond to the notice with any issues they had. Now that this has been XXXX they are refusing to remove this from my credit report or update the status in any way. They told me on the phone that because of the bankruptcy they would not be able to try and collect the amount due but I was still liable for the account. How can this be? They are not able to take payment for the account but it stays on my credit report forever and there is no way for me to move past it? Per what I was told by my lawyer and also the trustee overseeing the bankruptcy this account should be removed from my credit as of XX/XX/2018. I am submitting this complaint as a last attempt to resolve this matter, my next move will be to re hire my lawyer and move towards more aggressive legal actions. I am asking that both accounts be removed from my credit report immediately.
Consumer complaint received 2020-06-03
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. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly tha I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-10-09
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. (KS)

TransUnion, XXXX  and XXXX  failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
Consumer complaint received 2022-06-10
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. (TX)

Hello, The purpose of the complaint is to report unauthorized activity on my credit report. A named Called " XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX performed an excessive amount of " Hard Inquiries '' on my Transunion Credit Report without my approval and without my knowledge. 

These inquires are causing financial distress by preventing me from acquiring deserved credit. I have contacted Transunion to have these items removed with no success. 

XXXX to XX/XX/2022 ; XXXX XXXX listed over XXXX XXXX Inquiries on my credit report. 
XXXX and XXXX : XXXX and XXXXXXXX XXXX XXXX : XXXX and XXXX XXXX
Consumer complaint received 2020-12-09
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. (SC)

I've contacted Transunion and XXXX several times. Including both mail and via phone. I have complain about several inquires on my account that I did not make. I was a victim of identity theft and they have not removed them. 

The Transunion accounts include : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The XXXX  Accounts iInclude : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-06
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. (TX)

This complaint is for EXPERIAN Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Today ( XXXX XX/XX/XXXX ) I attempted to freeze my credit report access at XXXX, Transunion and XXXX. The XXXX attempt went without a problem, but I was thwarted in my attempts at XXXX and Transunion. After filling out the credit freeze request form at Transunion, I was received the following response : <p> " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 
We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Thursday : 8:00 a.m. to Midnight, and Friday through Sunday : 8:00 a.m. to 8:00 p.m. Eastern Standard Time. '' <p> In the case of XXXX, it was clear to me that they were intent on making it as difficult as possible to obtain a free freeze. Their request form did not allow autofill, an easily implemented customer courtesy, and after having manually filled out the form and answered ID verification questions, I received a notification that for an unspecified reason they could not fulfill my request, and that I should send the request via USPS mail and include a long list of specific pieces of information, which I had just supplied in their online form. 

I believe if one of your agents attempts to use the free freeze request at the two services referred to above, they can confirm my experiences. Nevertheless, I will double check both of those services tomorrow, and if their response has been more compliant in fulfilling the requirements of the free freeze legislation 's intent, I will so inform you via this complaint submission option. 

Sincerely yours, XXXX. XXXX XXXX, VA
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (FL)

I received a statement today ( XX/XX/2022 ) for an annual fee of {$39.00} for a credit card that I did NOT apply for and never had. The company name is AVANT. The transaction date on the statement is XX/XX/2022. The " account '' number- XXXX XXXX XXXX XXXXXXXX. 

I called the company ( XX/XX/2022 ) and was told they had no record of an account in my name and could no really look up the information in their database. They asked for the last 4 digits of my social security number and I refused to give it. I asked to speak to supervisor and was told there was no-one available. 

I was told to email XXXX XXXX XXXX XXXXXXXX, which I did. I told them via email, to remove my name from their database and refrain from ALL further communication.
Consumer complaint received 2022-06-10
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. (MA)

In accordance with the Fair Credit Reporting Act 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 A account without my written instructions
Consumer complaint received 2020-12-09
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX XX/XX/2020 This is the second time I have disputed these inaccurate unverified accounts on my credit report. I has been longer than 30 days, You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates have not properly verified my account after several attempts to dispute their right to legally collect this debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted. Portfolio Recovery Associates only provided a letter from XXXXXXXX XXXX stating the account was sold to Portfolio Recovery Associates and to contact Portfolio Recovery Associates if I have any concerns.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MS)

I was tricked into using a fake trading platforms, and I lost over {$600000.00} using this fake platform. 

I need help, I went to Crypto.com and then moved some money to this fake trading platform.
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (AZ)

I had a lease signed at XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) for a year and after the lease term ended, I was falsely charged for an amount of {$230.00} for Damages and repairs. This charge is partially incorrect because they charged me for a missing bathroom door which I think was the largest portion of the charge and I have documents to support my claim which can be found attached below. The company also never provided me with an itemized list of the damages giving me an estimate and directly charged me. When I reached out to them they rarely replied to me and if they did it wasn't a satisfactory reply. I also sent them an email saying I would go to small court about it, and they agreed to remove it. But unfortunately the charge was never removed and was sent to debt collections and I had to pay the whole amount in total and my co-signer received a red flag in his credit file. I was forced to pay this amount from my tuition fees and it was really difficult as a student to pay this false claim which was not even true. Could we potentially settle this out?
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I reviewed my credit report, and i noticed there was an account i did not authorize. The accounts was sent to rash Curtis and is now a collection on my credit report. I sent my necessary documents to rash Curtis in order to dispute this item. After receipt I called them to get an update and they said I set up payments. I did not because I didn't never open this medical account. My identity was stolen. Rash Curtis said they needed more time to investigate, but I haven't heard anything. I am trying to purchase a home and I need this fraudulent account to be deleted.
Consumer complaint received 2021-09-08
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. (NC)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts?

You have not provided me a copy of any original documents required under SECTION 6099 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance SECTION 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$5200.00}, XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$160.00}, XXXX XXXX  XXXX  # XXXX {$240.00}, XXXX XXXX # XXXX {$70.00}, XXXX XXXX # XXXX {$250.00}, XXXX XXXX  # XXXX {$570.00}, XXXX XXXX # XXXX {$110.00}, XXXX XXXX # XXXX {$190.00}, XXXX XXXX # XXXX {$48.00}, XXXX XXXX XXXXXXXX # XXXX {$350.00}, XXXX  # XXXX {$170.00}