davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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)

To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to TransUnion, XXXX, & XXXX about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 USC 6802 ( b ) ( 1 ).
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

I was told by XXXX on XXXX oh that I had a freeze on my credit but too that they pulled my credit somehow to deny me credit but sent me a link for a one time unfreeze of credit through Experian but it did not verify my information as I have used 3 oh different zip codes in the last calendar year but not sure which one they were asking for to verify my identity. So uh it denied unfreezing my credit. Tried to login to my Experian account but it was deleted again second time so called their phone but no one live to talk to so uh sent a message uh to XXXX account of theirs for XXXX they responded oh with asking my vital info but oh hey I have a Cyber Stalker so uh it os compromised but they have not responded and uh my credit still locked with them XXXX XXXX XXXXXXXX on XXXX REFUSED TO USE XXXX where I had unfrozen my credit and too probably at Experian as well in XXXX but not at XXXX then but did last week or this week unfroze it at XXXX but oh still frozen at Experian and no assistance in unfreezing it so I can apply for an apartment living in a hotel is uh unsafe but too uh costly. Oh living here because of divorce and no uh job for many years after kids born uh just raised them as full time mother as per my husband my wishes. Do only locked at Experian but not okay huh with XXXX on XXXX using a different uh credit reporting agency he cited XXXX XXXX saying it would be against that law to use XXXX.
Consumer complaint received 2016-02-19
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC (MA)

this company which has already received multiple harassment complaints XXXX XXXX has contacted my ex wife whom I have n't had communication with since 1990!!!!!!!!!!!! my ex brother in law frequently and daily whom I have n't seen in 9 years!!!!!!!!!!!!!!!!!! and leaving threatening messages regarding legal action!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-06-08
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. (DE)

I have a few fraudulent accounts appearing on my credit report. 


1. XXXX XXXX XXXX XXXX {$470.00} 2. XXXX XXXX XXXX {$28000.00} 3. XXXX XXXX {$7800.00} 4. XXXX XXXX {$10000.00}
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (MS)

They are XXXX  creditors involved. # 1 is XXXX XXXX XXXXXXXX which I have my mortgage with. I had a credit card with about over XXXX dollars.Four years ago I was and still a single, was struggling to pay and when they started raises the interest, which I stopped charging I called and got NO help he told me they were not going to lower the interest nor cut back on some of the amount. I didn't hear from them for sometime. they had wrote it off. So about maybe XXXX years ago I get this letter telling me my debt was put against my montage this attorney from Louisiana. They kept sending me letters and calling me all the time. I called back no one answered so I left a message You put it on my mortgage so leave me along,,, Oh by the way I didn't get the letter to go to Court in XXXX MS until after the fact No one delivery it to me to pier in court. An Attorney is trying to contact me but it is not the same one I think. Tried to settle with them with XXXX but they didn't respond. I will get the name of the Attorney and all info to contact them. 

# 2 Discover. I have had Discover for many years, after 3 years they started contacting me but in Mississippi I thought was the dead line. Well anyway, I owed them round XXXX they kept jacking up the limit. well I lost my job around 2019? and I couldn't. so I told the supervisor could you lower the amount delete interest and lower it and put my payments at XXXX then when I get on my feet I will pay more. She said XXXX isn't much and she laughed so I know I couldn't pay it. I think it was about last year I told them I said I want to work this out but I couldn't pay but XXXX. So they agreed and I paid it, but they also put the XXXX as a loss then now I paid XXXX they sent me a tax thing and I owe XXXX more for interest, After the already claimed the XXXX as a loss with the interest. this is not far. Like everybody XXXX hit and no one had any money. My son helped me keep a float. I DID GET XXXX  AT THE TIME BUT I AM FINE NOW BUT I AM XXXX  AND I HAVE VERY LITTLE FUNDS. I tried to talk with a Lawyer, but I am not important enough. I tried to speak with someone a Legal Services but that man ( do not remember who he was but he told me there was no one to help. I know I made some of the debts but the interest and maybe some of it, it is not mind. No one at discover or XXXX  XXXX XXXX said they wrote it off and they have nothing to do with it. My question is. If both of the creditors wort it off why are they still coming after me. They got credit It sounds like DOUBLE JEOPARDY.
Consumer complaint received 2022-04-15
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. (AR)

I am a victim of identity theft. I have requested that the bureaus remove these fraudulent items on many occasions. I have also requested to see proof that was used to verify these items, and they have not provided any contract or signature for any of them
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NM)

I am disputing this fraudulent charge. I have not opened any XXXX XXXX account, nor authorized an account to be opened in my name. My cell phone is on my husband 's XXXX plan which differs in account number from the fraudulent charge account. Chronology of this account : XX/XX/2022 received a letter stating I had not used any of the lines activated on the fraudulent account. 
XX/XX/2022 received another letter showing debt of {$3200.00}, and threatening referral to a 3rd party debt collector. 
XX/XX/2022 contacted XXXX using my husband 's XXXX cell phone. XXXX, the customer representative, assisted us and could not find the account or any account under my name. She advised we could disregard this notice. 
XX/XX/2022 contacted the NM State Attorney General 's office to file complaint XXXX. 
XX/XX/2022 received letter from 3rd party debt collector. 
XX/XX/2022 notified by my credit reporting vendor this debt is on my credit history. 
XX/XX/2022 submitted a complaint to Consumer Financial Protection Bureau XX/XX/2022 disputed the debt with the 3rd party collection agency.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TICE ASSOCIATES INC (NY)

I have contacted TICE and associates several times requesting proof of this claim, including dates and services received to make sure this is even my debt. In addition, I had insurance at the time if this is my debt with XXXX and this should have covered if my debt. I have talked to a gentleman claiming to be owner at TICE, and explained this and they refused to submit to insurance. Since, I have disputed this debt several times since they have failed to provide a detailed summary of charges - dates - dr etc. I believe my rights under the FCRA are being violated. Plus I never received a validation notice on this.
Consumer complaint received 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX & XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting Act AD XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX XXXXXXXX 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. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX & XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (FL)

The navy federal Credit Card has to be one of the worst cards to have, High-interest rates along with so-called cash advance charges that no one can explain, they will not negotiate a lower interest rate to help veterans on fixed incomes, there seems to be something very disturbing about there debt collection practice 's I personally think they only want soldiers and vets to stay in debt so that they will never pay off their credit card charges with all of the XXXX!! charges, I will let every vet, XXXX XXXX whoever will listen Do not get a credit card from Navy Federal Had a better experience with XXXX,
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (AR)

i called the company and explained that i have called each company on that took a hard pull on credit report and explained the ones that ones that did not belong to me and was fraudulent. i did open a dispute and got a list of Hard Pulls and their response was XXXX XXXX is part of credit file i guess that means they never wasted any time looking into it. at the top it said delete, resolved, removed, none of them. i have filed three times and only got one letter from them and that what i got. the accounts fraudulent and the no it because i called the company 's. Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ). Although we do not generally collect such information, it could appear in the name of a data furnisher ( i.e., " XXXX XXXX '' ) that reports your payment history to us. If so, those names display on your report, but on reports to others they display only as " MEDICAL PAYMENT DATA. '' Consumer statements included on your report at your request that contain medical information are disclosed to others. 
Public Records Information If your report contains public records, the Public Records section includes items from courts that XXXX  may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , GA XXXX, or visit https : //experianconsumers.XXXX ( https : //experianconsumers.XXXX  ) .and i called and they did share my information with third party and they share with others.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX  ), balance is {$1000.00}, and account # XXXX
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

To Whom It May Concern, I was notified by financial institution Bank of America of a cashier 's check of the amount of {$2000.00} being sent to my address back on XX/XX/XXXX for a claim that occurred in XXXX. The claim was originally denied but the financial had reconsidered their decision and informed me in XXXX that it would be paid. This was for a XXXX transfer between personal accounts. In XXXX, I no longer banked with the institution and accounts were closed, therefore Bank Of America can only pay me in form of a check. Upon receiving the letter of being informed that they were sending the check to my address that was on file and still current, I still never received a check as promised. I tirelessly tried getting the issue resolved contacting Bank of America multiple times a week since XXXX of XXXX. I've spoken to numerous departments and spoke to numerous supervisors who promised they would get issue resolved but still never got resolved. During the interim of speaking to multiple representatives, I was told so many different things of why the check hasnt arrived or given false information about the process of receiving the check. I have spent 2-3 hours minimum a day on the phone with this establishment at least 4 times a week to just still get nowhere. Whenever I spoke with someone different, they were telling me something and directing me to another department. This institution has poorly documented my file, whereas each representative wasn't able to reference where the check was, how to pay it and what the check was for. I am extremely upset of this whole ordeal and would like for it to be resolved ASAP. I was also told they attempted sending the check to my address multiple times after i called but nothing ever came to my address. It is now XXXX of XXXX and I still haven't received my cashier 's check that I assured I would receive. They are crooks and have poorly handled this situation. I shouldn't have to wait all these months to receive funds that was due to me over FOUR YEARSSS AGOO!! I am beyond angry and dissatisfied with their incompetent customer service representatives.
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (CA)

I sent a letter over to the bureaus certified that they must respond in 30 days according to the CRAct. They still and havent responded and its been over 35 days.
Consumer complaint received 2020-02-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( XXXX, XXXX & Transunion ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.