davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3.  XXXX XXXX on XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-03-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

I applied online solely because they had approved someone with severe financial difficulties and difficulty proving income or financial statements. They had gotten approved so I figured my challenging credit would be no issue. 

They flatly denied me saying my credit was the issue.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MD)

I opened a Barclays bank account a while ago that charged off. Since then the account was placed with XXXX XXXX a collection agency. The account was sent by them to XXXX XXXX XXXX. I have been trying for a week or so to reach them regarding the debt but they dont answer and they dont call back. I have brought this to the attention of XXXX XXXX 3 times and they have failed to tell me how to resolve if the debt is placed with a non communicative attorney. XXXX XXXX XXXX XXXX XXXX XXXX  They have conveniently removed the complaint tab from their site
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX - XXXX XXXX  on XX/XX/2021 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX - on XX/XX/2021 ( Reported Identity Theft )
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center (CA)

ARStrat , LLC, mailed me a collection notice dated XX/XX/XXXX, for an outstanding {$20.00} medical debt. 
On XX/XX/XXXX, I mailed to XXXX XXXX, customer support agent at ARStrat , LLC, via certified first-class mail, return receipt requested, a letter notifying them to cease all communication with me in connection with the account associated with the above matter, that if they failed to heed such notice, I would file a formal complaint against them with the Federal Trade Commission, the state attorney general 's office, and the XXXX XXXX XXXX, and that I would contact the original creditor directly to resolve the matter. The return receipt that I received indicated that this letter was delivered on XX/XX/XXXX, and signed for by RS XXXX, whose " printed name '' was XXXX. 
On XX/XX/XXXX, I paid the outstanding {$20.00} balance directly to the original creditor. 
Following receipt by ARStrat , LLC, of my letter described above and my payment of the outstanding balance to the original creditor, ARStrat , LLC, mailed me another collection notice dated XX/XX/XXXX, for the same outstanding balance. 
ARStrat , LLC, then mailed me a further collection notice dated XX/XX/XXXX, for the same outstanding balance.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Good morning, Today I am complaining about the CRAs for improperly reporting inaccuracies on my Consumer report, not updating or removing the inaccurate items being reported and for reporting a Bankruptcy that shouldnt be reporting if the COURT never reported. I went up there to see the documents and they said they do not reprint anything to the CRAs and gave me document to upload here to have it removed. I also included the letter in the attachments but I have sent this FORMAL LETTER to them multiple times certified and nothing has happened. 
Accounts in question : Bankruptcy ( all 3 CRAS ) XXXX ( Equifax )
Consumer complaint received 2021-08-25
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. (GA)

I have sent several disputes to trans union on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my trans union file XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (TX)

FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX  
FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
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. (AL)

I have tried to get in contact with both XXXX XXXX and XXXX XXXX XXXX XXXX the letters I have sent have yet to produce a response there are multiple inaccuracies on my credits from this company such as date opened, the balance and the date last active. The payment history is also incorrect as well I have never been late with this company I spoke over the phone with a representative and set up auto-pay so how can I be late if it was not drafted Ive tried over and over but still have not gotten any relief I would like the late payments reporting removed from my credit profiles
Consumer complaint received 2021-08-25
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: Sequium Asset Solutions, LLC (FL)

" XXXX XXXX XXXX '' is reporting on my credit that I have balance of {$1400.00} for Original Creditor " XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ''. I never visited any of such places, so I search and called " XXXX XXXX XXXXXXXX '' XXXX XXXX office and billing team. They do not have any record of mine. I think these guys ( Collection Agency ) has somehow got some of my some info and trying to fraud with it. It's been going for some times as, I got attention only when I saw another fraud of similar nature by another company named " SEQUIUM Asset Solution ''. 

I am going to put complaint of that company in other complain as they are showing their Original Originator as " XXXX  XXXX '' while I never visited XXXX  XXXX for decades or any medical facilities.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (IL)

I am writing to complain to CIC CREDIT about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2021-12-11
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. (TX)

Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due XXXX XXXX XXXX k.
Consumer complaint received 2022-03-27
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 XXXX Accounts, has violated my rights. 


XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX {$540.00} XXXX XXXX XXXX {$7900.00} XXXX XXXXXXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$280.00} 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 2022-03-27
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. (MS)

I have repeatedly asked all parties to permanently remove all incorrect information on my credit reports from all three bureaus. Yet, they have complied. I would also like to be compensated for all of my information that was sold to other companies for profit.
Consumer complaint received 2021-08-25
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. (GA)

I have sent several disputes to Experian on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my Experian account XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (TX)

On XX/XX/XXXX I lost my debit card to my banking account, on XX/XX/XXXX I had created a dispute for XXXX and was told that only when the transaction is posted to the account may I create a dispute. In XX/XX/XXXX I seen my transaction was posted and was able to create this disputed transaction. On the XXXX business day which was XX/XX/2021 my account was not credited a provisional credit nor have I been contacted by any member of the dispute team. I reached out to live support on XXXX XXXX, and XXXX. Every single time I had been able to make contact with them using there online chat tool I was informed that they have messaged there dispute team members via email and that my credit would be applied by the end of day. Every single chat I requested to speak with a dispute team member directly and was informed that was not possible and would need to wait for an email from them. As of 13 days since my dispute was opened XXXX of which are business days, I have yet to receive a single email from anyone that works for the banking app Current. The toll free number on the back of the card is out of service or not working, and a customer service rep informed me that they are currently not able to take phone calls. This company is a cause for concern and personally is above the laws in there eyes. This is probably the biggest red flag I have ever seen for fraudulent activity from a business. This is the receipt number involved with my dispute, ** XXXX **
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Recovery Solutions (CA)

United Recovery Solutions of XXXX, KY is attempting to collect on a debt which is not mine. Rather, As I have explained to many debt collectors since 2014 my family is part of the XXXX XXXX XXXX XXXX Data Breach and as such we are part of a protected legal class. To wit, this debt is not mine but rather was incurred by another person or entity as part of their illicit activities.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (WA)

I opened a Wells Fargo " XXXX XXXX '' account. Wells Fargo 's checking/savings account that one can get if they've been turned down by other banks. I had the account for a couple of months, had my pay check direct deposited to it. After a using the account for a couple of months, my checks stopped getting direct deposited, I called the bank and they stated I had no account there. 
I showed bank statements, showing I never overdrawn my account. Wells Fargo still insisted that I never had a account there.
Consumer complaint received 2021-08-25
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: HCFS Healthcare Financial Services of TeamHealth (FL)

" ARS Account Resolution '' is reporting on my credit that I have balance of {$1400.00} for Original Creditor " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ''. I never visited any of such places, so I search and called " XXXX XXXX XXXXXXXX '' XXXX XXXX office and billing team. They do not have any record of mine. I think these guys ( Collection Agency ) has somehow got some of my some info and trying to fraud with it. It's been going for some times as, I got attention only when I saw another fraud of similar nature by another company named " XXXX XXXXXXXX XXXX ''. 

I am going to put complaint of that company in other complain as they are showing their Original Originator as " XXXX  XXXX '' while I never visited XXXX  XXXX for decades or any medical facilities.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681. Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the 2017 Equifax Data Breach and I have made that very clear to Equifax. I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that bull crap. I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. 

They willingly continue to break the law and they do not even add in files that I have sent to have on my record. These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

I noticed on my consumer report that Jefferson Capital was reporting on my account. I have never consented to contract with them, so they have breached my privacy by obtaining my private information.

I sent a letter to Jefferson Capital on XX/XX/2021 asking them to produce a valid contract that I have with them. I also sent along a document for them so fill out and sign back under the penalty of perjury, which they completely ignored. 

They have since sent me a letter on XX/XX/2021 with none of the information I requested. In their correspondence, they violated several of my Federally protected consumer rights pursuant to 15 USC. This is causing me great stress and harm and also a breach of my privacy as I never consented to contract with Jefferson Capital, or any third party debt collector.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed out of {$12000.00} from a man/company that promised me {$50000.00} after an initial {$3000.00} fee that I needed to pay. I was told it was a US Customs fee. I was informed by them that because I took long, that fee was up to {$15000.00}. I cashed out three checks totaling {$12000.00} through Wells Fargo. I checks were in increments of {$3500.00} ( XXXX ), {$5000.00} ( XX/XX/XXXX ) and {$4000.00} ( XX/XX/XXXX ). I realized it was a scam on XX/XX/XXXX, did not send anymore money, and contacted the bank immediately to report the scam. They informed me that they were not able to return me the money because it was removed from the account. They did not assist me any further.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNTRUST BANKS, INC. (MD)

I am writing this letter to dispute several unauthorized charges in the amount of {$9300.00} on my Suntrust XXXX  account. These charges begin XX/XX/XXXX from a merchant by the name of XXXX and extend to XX/XX/XXXX from a merchant by the name of XXXX 5 totaling {$10000.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Suntrust customer told me that I can write a dispute letter.

I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Enclosed are copies of the disputed charges supporting my position.
Consumer complaint received 2017-11-15
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. (CA)

My new credit report pulled on XX/XX/2017 is reporting a XXXX XXXX paid collection that was deleted and now it has been added back on to my file with Equifax. The CRA did not provide me notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( XXXX ) ( B ).
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.