davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C 1681XXXX 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 Has violated my rights 15 U-S-C 1681 602 A- Stat 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 instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section state : 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 conviction of crimes which antedates the report by more then seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-05
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. (MO)

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 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX Account NumberXXXXXXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account NumberXXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number:XXXX  Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number:XXXX  Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number:XXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i sent a dispute on XXXX to all XXXX cras concerning the re-investigation process, also informing them about XXXX usc XXXX ( b ) about information has to be maximum accuracy. 
neither of the XXXX hasn't responded as of XXXX concerning the items and i have also attached a copy below for your reference with XXXX certified receipts. 
requesting the items be verified sending me the method of validation or deleted the items from my credit report.
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (KS)

The Company, XXXX XXXX  never submitted this covered Claim to XXXX and to my XXXX XXXX XXXX XXXX XXXX XXXX Coverage. 

I have no idea for I talked it to the local office and received no local call about it. 

Not one call too from a XXXX XXXX XXXX XXXX too. 

I assumed that it was being covered by my Insurance Policies.
Consumer complaint received 2023-02-22
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: Fig Tech Inc. (TX)

N. Accordance with the Fair Credit Reporting act Fig Loans Texas LLC 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-01-25
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. (CA)

I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX
Consumer complaint received 2020-09-02
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. (VA)

I had an account with XXXX XXXX. I received a call from collection agency XX/XX/2020, advising that if I paid the settlement offer the item would be removed from my credit report. 2 months later the item is still reporting negatively on my credit report.
Consumer complaint received 2020-05-06
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. (TX)

XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX  Equifax XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (TX)

All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.
Consumer complaint received 2021-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.
Consumer complaint received 2021-01-25
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: CITIBANK, N.A. (CA)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITI CARDS XXXX XXXX Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

I keep having different collection agencies putting this XXXX account on my credit report that I have been disputing successfully now for around 2 years. I dispute it and the credit bureau 's keep taking it off then 6 months later another company will, do the same thing. XXXX from XXXX but this not my account. Credence collection agency put it on my XXXX  report total of 3 times within a few weeks .... XXXX XXXX XXXX XXXX XX/XX/2022 and now again XXXX XX/XX/2022. They also placed it on my XXXX XXXX report. I need this to stop immediately thank you very much.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (CA)

This is back in 2008 Wells Fargo I had a checking account did they closed or stop deposits anyways prematurely and it caused me to have an account go negative into a way where the credit agencies marked my credit so bad I'm still recovering 20 years I'm still recovering from that credit bash. And so back in XXXX XX/XX/XXXX they cut me a check for {$150.00} and said they were sorry I'm not accepting that I mean I did cash check cuz I'm severely needed cuz of XXXX wish I wouldn't know but I did they did that rather quickly and they're the ones that initiated it they found the wrong and I think that they've done more damage than {$150.00}
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (VT)

I personally went to a Chase branch in XXXX, XXXX to open both a checking and savings account. I was treated wonderfully. I wrote out a check for both accounts to get them started. 
The checks cleared from my bank in 2 days. I went to the Chase account on line and was unable to open the account. I called and was told the account was closed and I would never be able to open an account with Chase in the future. 
I went back to the branch and talked with the officer who opened my account. She was surprised and called Chase.

She was told the same. She asked why, as did I. We were both told they could not disclose why. 
The money I deposited would be returned in 10-15 days.

I feel like a criminal!

I have a very good credit score. 
I am concerned there is some faulty information about me. However, I am being kept from an explanation. I need help. 
Thank you.
Consumer complaint received 2017-08-08
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)

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the Equifax, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

over a period of 5 days in XXXX XXXX dollars was taken from my savings account at td bank. I was out of the country during that time and my card was not with me. when I went to check my account a month after I returned home ( the man at td bank that I reported it to who was an assistant XXXX said I had a 3 month time period to report it and I was within that time period ).. it have spoken to the assistant XXXX and the XXXX of the branch and filed a report with the nyc police department but it is almost 4 months later and this XXXX is still missing. as I need to pay a caregiver for my husband I need this money but am getting no results from the bank and do n't know where to turn to next. any help you could give me would be most appreciated
Consumer complaint received 2017-08-08
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.
Consumer complaint received 2020-09-21
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: BARCLAYS BANK DELAWARE (NJ)

I request Barclays Card in Delaware to refund me {$140.00} since XX/XX/2019. Due to XXXX XXXX XXXX. Charged me {$4900.00} on XX/XX/2019 but refused to file lawsuit for me. she only refund me {$4800.00} on XX/XX/2019 and repeatedly refused to pay me back other {$140.00}. 

However, Barclay Card also repeatedly to refused to pay me back {$140.00}. I had to asking you to ordered Barclay Card to refund my {$140.00} now. Thanks!
Consumer complaint received 2019-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (MT)

on XX/XX/XXXX I received a loan in the amount of XXXX. I contacted them on XX/XX/XXXX to see if I could skip or do a lesser amount for my first payment. They denied that request.
Consumer complaint received 2017-08-08
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)

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Consumer complaint received 2020-09-03
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My XXXX account ending in XXXX is not reporting on my Equifax credit report. 

I have contacted both XXXX and Equifax in XXXX and XXXX advised they have requested the account be re-reported. 

To date it is not reporting on my Equifax credit report.
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (TX)

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CA)

I cancelled a gym membership with XXXX on XX/XX/2020. I received confirmation it was cancelled. Today I received a letter from a Collection Agency stating I owed a balance to XXXX. I asked them what period it covered, because my membership is cancelled. They said they did not know.