davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion and XXXX are reporting a bankruptcy on XX/XX/2018 for me. When I asked for proof of validation they stated that the record was validated by the XXXX XXXX XXXX TEXAS located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I reached out to this federal agency to ask for them if they provided this validation to which they sent me an affidavit stating they strictly do not and have not ever provided validation of personal records to credit bureaus. I will attach this affidavit if possible. Clearly TransUnion and XXXX are not being honest in their claim to validating this record as the source they used stated the opposite. Additionally, this same dispute was brought up with XXXX bureau who agreed that it shouldnt now nor in the past ever have been reported on my credit report. I have tried to explain this multiple times to TransUnion and XXXX but they do not cooperate nor take the time to back up their lies of this records proof with the claim the agency rebuked. Per section 611 of the FCRA, bureaus are required to validate accuracy of information with the furnisher. In this case the TransUnion and XXXX are claiming the furnisher is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas however via affidavit the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas explicitly denies ever being the furnished to validate or provide such information. Thus it should be removed!
Consumer complaint received 2023-01-18
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

TXXXX, XXXX, and Experian Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. XXXX Dispute # XXXX XXXX Dispute #  XXXX Experian Dispute # XXXX
Consumer complaint received 2018-03-02
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. (FL)

I have sent in several disputes and FTC Reports to XXXX, XXXX AND EXPERIAN. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX XXXX. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-01-30
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 Bureau Systems, Inc., Paducah, KY Branch (MO)

Credit Bureau Systems has violated my HIPPA rights 16 different times by accessing my protected medical records, procedures and medications without my authorization. I never signed a contract with them or a HIPPA release for them to access my medical records.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

Name : XXXX XXXX SSN : XXXX Virtuoso Sourcing Group has been contacting me just about every day even though I've asked them to cease contacting me since I am currently a recent college grad and have yet to secure employment to make payments on the debt. In XX/XX/XXXX I filed a complaint in which I was told that the frequent calling would stop due to me being assigned a designated agent to handle the account which I was okay with, but it deemed to not be true as I'm still getting calls just about every day from different agents within Virtuouso Sourcing Group. Today, XX/XX/19 I verbally asked to stop receiving communication through telephone and to only be communicated by mail only, I was verbally told by the supervisor/floor lead that they would cease contacting me and when I receive employment I can call them, but I know the calls will continue so, therefore, I'm writing this complaint. I've recorded the following dates and times of their calls within the last week and a half ( my phone won't go back any further than this ) Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

diversified consultants a collection company, placed a XXXX XXXX XXXX collection in the amount of {$3700.00} to all 3 credit bureaus that does not belong to me. this collection was removed previously by all 3 credit bureaus when diversified consultants did not have proof that this collection was mine. 

on XXXX, XXXX 2018 they placed the same collection back on all 3 credit bureaus, damaging my credit. this illegal collection needs to be removed immiedatly from all my credit bureaus.
Consumer complaint received 2024-05-28
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I received an {$250.00} unauthorized charge from XXXX car rental on XX/XX/year> after I had completed a rental. I never received any information from XXXX about what this charge was for, so i immediately disputed the charge with Chase as fraud. At the return of the XXXX rental I was told by the return agent everything was all good and the transaction was closed, so I wouldnt expect any issues or additional charges based on our agreed upon condition of the car. All of this information was shared with Chase fraud agent during our live discussion.

I recently received the results of the Chase fraud investigation and they said I am liable for the {$250.00} fraud charge, claiming the reason that I received benefit from this transaction. Since I was never told what this additional transaction was for, I dont know how I could have received any benefit. I paid my rental in full and closed the transaction at the time of return with XXXX, so the only person receiving any benefit from an additional fraudulent {$250.00} charge would be XXXX, not me. I have escalated this with Chase, but they have not shared any additional rationale about what benefit I received and why I should pay this {$250.00} fraudulent charge. They continue to side with a mega car rental company ( AVIS ), and are not concerned with their individual customer. I want them to resolve this on my behalf and remove this fraud charge from my account based on the shared and transparent facts from both parties in this situation.
Consumer complaint received 2019-09-27
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: CITIBANK, N.A. (TX)

After 3-4 episodes of re-opening dispute for undelivered service, Citibank doesnt want to resolve it in our favor citing different reasons : peruse credit from service provider via legal action, truth in landing act limits the amount of claim for paid in full charge, and lately the claim is too old We tried to dispute {$1600.00} charge from appliance repair company. That company not only undelivered promised service, they still keep our wine cellar in their premises. During transportation, their vehicle got into accident, damaging our wine cellar beyond repair. They sent us supporting image via phone text and cancelled delivery. At first, business owner promised a compensation at the amount of {$2800.00} ( text messages are available ) but later stopped communicating and all our attempts of further contact were unsuccessful. 
When we realized that we cant resolve this matter with service provider, we contacted our credit card company and they didnt mention that it was too late to dispute transaction until recently. The correspondence with Citi bank lasted 3 months.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX  and Experian are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX  is reporting this item correctly. This incorrect reporting is harming my credit score.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION (NC)

XX/XX/2017 I notice I had a XXXX balance in my account, I called the state employees credit Union, they said they withdrew money because they received a faxed notice of garnishments from NC department revenue for delinquent taxes. I asked them to send me a copy of the notice of garnishment that was faxed to them, they said they couldnt because it was a legal document ; I thought it was obscured because it contained my personal information, I had a right to have it The state employees credit did not have the legal authority to withdraw money from my account without a court order 26 U.S.C. section 6332 3 ( C ) banks shall surrender subject to an attachment or execution under judicial process, according to NC General statues states A tax collector Must file the appropriate documents in General Court of Justice of the county in which the garnishee resides for a judgment before any garnishment can commence. GS 105-368 ( 5 ) ( D ) .the state Employee Credit Union owns its highest duty to its depositors with whom it has a contractual and fiduciary duty ; Im sure No evidence was presented, just a faxed notice garnishment stating that I owed The credit unions refusal to send me the faxed notice of garnishments they received from department of revenue, leads me to believe that fraud has transpired ; they concealing something unlawful, States Employees credit withdrawn {$1100.00} from my account XX/XX/2017 for an allege tax debt, Im requesting an refund, theirs no rule of law that they can provide, that supports there unethical business practice
Consumer complaint received 2018-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (MI)

Company is not licensed to collect in my state ( Michigan ). I checked on the www.michigan.gov/XXXX website as well as called the state ( XXXX ) and I was informed that the company has no license to collect debt in the state of Michigan. The company took two payments out of my bank account once on XX/XX/XXXX and XX/XX/XXXX. They never validated the debt either. They also never gave me a confirmation of my payment. They claimed they would mail it to me but I never got it after asking it to be mailed twice.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc. (SC)

XXXX XXXX Joined XXXX XXXX on a month to month promotion XXXX XXXX Returned key fab to owner, XXXX of gym and got his hand written receipt. 
XXXX XXXX Began receiving threatening phone calls and emails from debt collector, XXXX XXXX XXXX telling me I owed {$470.00} for an annual membership. Told them I did not owe any annual membership fees. I asked them to provide PROOF of any such debt or membership agreement. They never did. I sent CERTIFIED letter to XXXX XXXX and asked them to cease any further actions. 

XX/XX/XXXX, again began receiving threatening phone calls that this would damage my credit and they would report me to credit bureaus. Again I asked them for proof I owned any such debt, which I disputed in XXXX and again in XXXX. They did not provide any documentation. 

XX/XX/XXXX, I pulled my credit report and saw my credit score damaged by XXXX points with a collection item. I again contacted XXXX XXXX, spoke with XXXX who told me that they have a new owner, I told her I do not owe XXXX XXXX anything. I also contacted XXXX  and they told me to contact FTC for harassment and bullying by a collection agency that has three times now persisted to collect on a debt NOT owed and which is disputed each time. They have never showed me proof.
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/19 NewRez, my mortgage company, took {$910.00} from my escrow account to pay an insurance premium for another customer of theirs ( not my own ). Around that time, my insurance agent and I communicated with the NewRez insurance department about this error and we were told that it was being corrected. However, it is over 5 months since then and this issue still has not been corrected. The " escalation agent '' assigned to my account has shown no sense of urgency in getting this resolved and does not return her voicemails. Additionally, the hold time when calling the NewRez insurance department has been as long as 5 hours. These factors have made it virtually impossible to communicate with the company regarding this issue. On top of this, I have been told the reason that my account has not been credited yet is that NewRez is waiting for a refund from the insurance company that was paid with my money, a matter which has no bearing on when and how my account should be made whole.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion, XXXX, and XXXX Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. Transunion Dispute # XXXX XXXX Dispute # XXXX XXXX Dispute # XXXX
Consumer complaint received 2022-01-12
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. (CA)

On XX/XX/XXXX it was discovered while on Equifax that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXX XXXX to and was retaliated against and since then have been paying the price and am now homeless and can't get a job and now this. XXXX XXXX along with the California Tax Board have manipulated my paystubs with only XXXX paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California Tax Board take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX the same University I am suing due to me being XXXX. Moreover, XXXX and XXXX have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.