davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they ( Credit Bureaus ) stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the amount of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was contacted by XXXX XXXX XXXX today ( XX/XX/XXXX ) on my cell phone @ XXXX, yesterday ( XX/XX/XXXX ) @ XXXX, XX/XX/XXXX@ XXXX,  XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX. They have also called me repeatedly at home.

They state that this call is being recorded and the purpose is to collect a debt. When I ask what this debt is for, they hang up. If I ask them to produce an invoice, they hang up. When I ask them to cease and desist, they hang up, but still call.

I am not aware of this debt. I have not had a debt like this within the past 7 years that I am aware of.
Consumer complaint received 2019-03-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPL Recovery LLC (IL)

I received several phone calls from a debt collector under the name of JPL Group, claiming that my debt of XXXX in principal with the company XXXX XXXX had been transferred to their company for collection. The voicemails threatened lawsuit action and left various different contact numbers. After several missed calls, I answered a call from JPL on XX/XX/XXXX. A woman named XXXX XXXX informed me of the above-mentioned debt. She said that if I did not pay the debt in full over the phone, they would serve me with court papers and court date, claiming I would need to defend my case in court. I told her that I would need to verify the debt as legitimate before I would give her company any money and asked her for contact information. She provided me with this information : JPL Group jplgroupsolutions.com XXXX XXXX - Civil Processing Division Collecting debts on behalf of XXXX XXXX XXXX ext. XXXX Business Hours XXXX XXXX - XXXX XXXX  Loan received : XX/XX/XXXX Principal Balance : {$500.00} I requested copies of my bank statements for the entire 2012 year, and I found no deposit made from ANY loan company. 

Next, I called XXXX XXXX and provided them with my personal information. The customer service ran my information through the XXXX XXXX database and no record of any loan. He then passed my information along to his manager who ran my information through the company 's extensive database. Again, there is no record of loan issued in my name at any date or time. 

XXXX XXXX filed a complaint in regard to this fraudulent matter and asked that I also file a complaint as an individual to aid in the prevention of further fraudulent debt collection attempts by the company JPL Group.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2022-06-13
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, and XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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 : Its also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2022-06-13
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)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collections companies do not not have a contact with my signature.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, XXXX charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible. 

In retaliation, every six months, XXXX reports erroneous late payments to Equifax, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by XXXX as delinquent. I saw the change in XXXX XXXX, checked the XXXX closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with Equifax, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.
Consumer complaint received 2022-11-30
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. (WI)

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. 

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 : # 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 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 2022-07-21
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. (FL)

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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-29
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: AFNI INC. (GA)

A company named Afni says that I opened an account on XX/XX/XXXX for {$870.00}. It says that it was for a XXXX account. I have been with XXXX since XX/XX/XXXX and can't even get XXXX in my area. I would think that an inquiry would have shown on my credit report for this? 
I have filed a dispute with Transunion ( file # XXXX ),  XXXX and just now written a letter to Afni but it may not have had time to get there. 
Afni reported me to collections on XX/XX/XXXX and my credit score dropped from XXXX to XXXX. How can they do this? 
Afni address : XXXX XXXX XXXX XXXX ILXXXX I was never contacted about this. It just showed up on my credit report. So I don't have any collection letters to show.
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-04-20
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. (OH)

XXXX Account # XXXX was opened onXX/XX/XXXX The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX XXXX and Equifax ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I was trying to sign up for Experian 's credit report but I was unable to do so. Their system reported that my registration could not be completed and told me to contact customer support. I contacted customer support and was told that Experian does not have my credit report 's hard copy. I called Experian customer support daily for about a week and was able to eventually reach an supervisor. The supervisor tried to look up my information but was not able to. She told me that she sent in an internal form that I needed to wait for 3 to 5 business days for them to resolve my issue. I waited 5 business days and called Experian again but I was told that my credit report was still not found. Another customer support supervisor told me to wait another 3 to 5 business days for them to resolve my issue. I waited another 5 business days and called them again. This time, yet another different Experian customer support supervisor told me that they still do not have my credit report and they don't have a time frame on when my issue will be resolved. I asked for other forms of help and they could not provide anything. I have spent a total time of about a month to get Experian to locate my credit report but they still can not do it. Because I can not get any help from Experian, I'm submitting a CFPB complain to get my issue resolve.
Consumer complaint received 2021-06-09
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. (IN)

I, the consumer want to file a complaint on Equifax XXXX. XXXX XXXX, XXXX, GA, XXXX. My complaints on Equifax are that they are violating and undermining my consumer rights according to Laws stated by Congress. 

1st Violation. 
I did not give Equifax the permission to furnish any of these accounts listed. The accounts below are being reported on my credit without my consent nor instructions pursuant to 15 USC 1581b ( a ) ( 2 ). That includes factual information, or transaction history. 

2nd Violation 15 USC 1681 ( a ) ( 4 ) my right to privacy is being violated. 

3rd Violation According to 15 USC 1681 ( a ) ( e ) you have to do interviews with my family, associates, neighbors do validate a debt. They did not perform any of the sorts. They told me over a recorded line that they didn't have to follow that law for validating a law. 

Fact, please show good faith in this matter by expediting this process of having Equifax remove the items listed on your their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to Equifax violating my right to privacy and not having my consent for reporting these particular items on my consumer report. 

XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX P.S : XXXX  and XXXX  have already removed these accounts that are reporting on my consumer report. Equifax is the only reporting agency that is giving me problems and damaging my livelihood.
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the fair credit reporting act. XXXX list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always 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 items 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX  accounts # 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 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 Dept of EdXXXX XXXX XXXX
Consumer complaint received 2019-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

This is actually a two-fold issue : attempt to collect a debt that was already paid and attempt to collect more than owed. On XX/XX/XXXX, I received a phone call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX ( XXXX XXXX ). I do not recall the exact amount, but it was around {$320.00}. I had paid this account IN FULL to XXXX XXXX on XX/XX/XXXX in the amount of {$270.00}, which was the total amount due. 

After hanging up with Transworld Systems, I called XXXX XXXX and confirmed that my previous payment of {$270.00} was the only amount owed and my balance was {$0.00}. They also indicated that they do not use Transworld Systems for any collections and that they would contact Transworld Systems. 

On XX/XX/XXXX, I received another call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX. I indicated to the caller that the account with XXXX XXXX had been settled two months ago and that XXXX XXXX had indicated they did not use Transworld Systems for any collections. They indicated that they would get in touch with XXXX XXXX. 

I then called XXXX XXXX and was assured that they had contacted Transworld Systems in XX/XX/XXXX to let them know they should not be calling about this account. I was assured that they would be contacting Transworld again because " this is bordering on harassment. '' ( Their words, not mine ... although I agree. )
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NJ)

I initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION XX/XX/2021 to obtain a charge card on credit. NAVY FEDERAL CREDIT UNION falsely and illegally turned this consumer credit transaction into a loan in which they are now attempting to collect on an alleged debt that I do not owe as a consumer. During the CREDIT application process I submitted my credit card ( social security number ) which was used to access monies from my account at the treasury. In this consumer credit transaction I have an open end consumer credit plan in which NAVY FEDERAL CREDIT UNION repeatedly obtains money from my account at the treasury to cover charges on my charge card ending in XXXX.