davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
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. (CA)

I requested Transunion delete hard inquiries on my account that are not mine and send me proof. I sent in a certified letter requesting this information be removed and I called on the phone to no avail. They are stating they are mine and can not be deleted. I requested for Transunion to Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

The hard inquiries are XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX/XXXX  XX/XX/XXXX. 



Thank You, XXXX XXXX
Consumer complaint received 2018-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a rebuttal to the previous complaint The reason why you do not see the debtors on my credit report is because I validated information and submitted a disclosure statement to them and the debt collectors removed them.

The ones I had removed was the same ones that I filed a dispute with your company and the dispute was rejected. 

This sends a clear message to me that you all are not doing your job and there was debt placed on my report that should have never been there.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-19
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. (VA)

XXXX Experian and XXXX are refusing to delete 2 accounts that were so inaccurate i contacted them immediately!!! In the midst of this whole pandemic the need to have good credit has rised which means there is no time for erroneous reporting XXXX This Alleged chargeoff has 3 different dates of last activity a sign of re-aging the account further damaging my credit score yet all 3 bureaus swear they have verified the information as accurate. 

XXXX This alleged Mortgage account says late 30 days across all 3 bureaus but the account is closed- with an inaccurate payment grid- I disputed this alleged late account but all 3 bureaus verified it even though the company closed after it went bankrupt. ( XXXX XXXX XXXX ) How?????? 

Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-28
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. (AZ)

On XX/XX/2020, I was alerted by XXXX XXXX that a hard credit pull was completed by XXXX XXXX XXXX through Equifax. I created an online dispute with Equifax on XX/XX/2020 because I have NEVER used XXXX XXXX XXXX for anything, nor ever looked into any of their services. I received a response from Equifax stating that is was a legitimate pull. I followed up with XXXX XXXX XXXX on XX/XX/XXXX and they stated that my SS # is not in their system, nor do they have a record of me requesting any kind of credit through them. That, in fact, it should never have been pulled and should be corrected. I was told by that representative that they would send a letter to Equifax, but when I called on XX/XX/2020, Equifax had not received anything and they stated that I needed to call XXXX XXXX XXXX again. Upon doing so, I spoke to XXXX XXXX XXXX  's Fraud department only to be sent to another XXXX Fraud department. That department put me on hold for an hour, twice, only to pick up the line and then drop the line. I have not been able to reach anyone else and no one is able to help me rectify this situation. I value my credit, especially in light of the present situation where I may have to seek funding elsewhere to provide funding for my business. I would like someone to please rectify this as soon as possible, but I am getting nowhere with either entity.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

XX/XX/XXXX Mariner Finance sent a check to be cashed as a loan. My husband XXXX XXXX XXXX cashed the check using his driver license. XX/XX/XXXX my son XXXX XXXX XXXX Credit report was showing loan and that is was late. I called the local branch and spoke with manger XXXX XXXX he asked for us to send social security cards and that he would correct the information. XX/XX/XXXX the information was correct and put on XXXX XXXX report but then they reported the account is charged off and in collections. We made our payments on time and called the branch on 3 different occasions to ask for this to be corrected. The assistant manager in XX/XX/XXXX asked for me to email showing how it was being misreported so she could correct it. I sent it and never heard back and report is still being reported wrong. I called back several times asking for Mr.XXXX  to call me back to have this fixed and get no call back. I have disputed with credit reporting agencies only to come back information is correct. We paid this loan off early. This misreporting is causing us undue stress in causing his credit score to be low due to the misreporting. We have done everything as a consumer and this business has done nothing in correcting there problem even though they admit its incorrect!
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-20
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: BARCLAYS BANK DELAWARE (MI)

I have a loan with XXXX XXXX, XXXX, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, XXXX, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I am writing to file a formal complaint against TRANSWORLD SYSTEMS INC, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
TRANSWORLD SYSTEMS INC, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone number, XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that TRANSWORLD SYSTEMS INC has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against TRANSWORLD SYSTEMS INC to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold TRANSWORLD SYSTEMS INC accountable for their unlawful conduct.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a credit card from Bank of America, which I have been using and paying properly for over a year and the back now says than your office closed my credit card on XX/XX/XXXX of the current year. 

I wasn't advised or noticed about this situation nor the reasons why this decision was made on my credit card. 

I am requesting a review on this decision and appeal to reopen my account. I have my documents which I can provide of needed as well. 

Thanks.
Consumer complaint received 2020-06-29
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 (MN)

Barclays failed to adhere to proper card transaction billing dispute requirements as outlined in Reg Z. 

The XXXX XXXX XXXX cancelled their annual compliance conference as a result of the COVID19 situation. As a result, my registration for that conference was refunded. Multiple contacts with the XXXX XXXX mind you, this is a banking association and I am a compliance professional by trade ) indicated that the credit had been processed yet it was not appearing on my account. Following Reg Z Billing dispute process, I created a case with Barclays to assist in resolution.

During that process, Barclays did not have sufficient options available on their website to adequately outline the reason for my dispute based on VISA rules ( .i.e Credit Not Processed ). Nor did they have any document portal for me to upload documents which I knew would be required. Their automated process simply dismissed my dispute indicating that they had not received documents when they never provided me with a mechanism for delivery in their workflow. I had to call them and tell them that I had documents they needed and only then - after endless time on hold - did they provide an address to direct the necessary docs to. Their dispute workflow needs to be evaluated to ensure it is clear and does not mislead the consumer or lead to delays in processing which could be easily avoided. Consumers not well versed in the nuance of Reg Z could be easily frustrated or feel compelled to not follow through. 

In the process of this disorganized mess, I couldn't help but notice they are clearly in violation of Reg Z ( 1026.13 ( a ) ( 3 ) ) - specifically the official staff commentary which reads : " 3. Notice to merchant not required. A consumer is not required to first notify the merchant or other payee from whom he or she has purchased goods or services and attempt to resolve a dispute regarding the good or service before providing a billing-error notice to the creditor under 1026.13 ( a ) ( 3 ) asserting that the goods or services were not accepted or delivered as agreed. ". Both their On-Hold message and the error resolution screen dissuade consumers from filing billing disputes without first contacting the merchant. Their phone message says " If you have not done so already, contacting the merchant may lead to faster resolution ''. Their dispute entry page on their website reads : " In an effort to resolve your dispute in the most efficient manner, we ask that you first attempt to contact the merchant for assistance. '' Clear violation of the spirit of Reg Z with the possibility of causing consumer harm.
Consumer complaint received 2020-07-15
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)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2018-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (PA)

I received a letter from the Simon 's Agency regarding a debt that had previously been satisfied with the hospital network. When I received the letter, I first called XXXX and they stated that they could see that the service from this date had been paid and that they would send it to the case manager to have it investigated. 
I then reached out to the Simon 's Agency , Inc. and explained the situation and requested that they put my confirmation of payment ( I had the number to provide them with ) in my file for reference and they told me that they didn't want it and that unless XXXX told them otherwise, they were going to continue to collect. 
I sent the Simon 's Agency a hand written dispute in the mail. I provided my payment confirmation number and requested that the matter be investigated. 
On XX/XX/XXXX, I received a call from XXXX, my case manager at XXXX ( XXXX XXXX XXXX ) .She stated that I was sent to collections in error and that the matter would be resolved that day. 
Yesterday, I received the attached letter from the Simon 's Agency allegedly " verifying my debt ''. Please find my Bank statement with proof of payment, verification letter, and confirmation number from the date this payment was made. 
This is literally the 3rd time that the XXXX XXXX XXXX has sent my file to a debt collection agency in error and it is exhausting. My health has been very poor recently and I have already spent a great amount of time proving that I do not owe this claimed debt. It is clear that the Simon 's Agency has no interest in researching the validity of the debts that they are attempting to collect on, as sufficient proof was made available to them. I have excellent credit and do not want their in-compliant practices to have a negative impact on me and my family. 
Thank you so much for your assistance in this matter. 
Best Wishes, XXXX XXXX
Consumer complaint received 2020-08-19
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. (NM)

On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have XXXX   XXXX, XXXX  and I am always in XXXX  of what she is doing and what she wants. I am afraid for my life and I need HELP.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-03-01
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. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.