davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I have had five medical debts that were once removed reappear on my XXXX credit report. When I disputed 3 of the 5 all which was from the same company XXXX XXXX were removed. The other two were not. I sent a certified letter to XXXX advising them that these were not my accounts and they were removed in the past. Also that in XXXX 2016 the accounts were under XXXX XXXX and were removed then once disputed as well. Then after that the accounts came back under XXXX XXXX which is another name that XXXX goes by and the accounts were deleted off my credit report and now for the third time same debt is back under a different name. I also stated to in the letter that XXXX XXXX is not licensed in the state of Florida ( which is where i reside ) to  be a collection agency. Also I asked for proof since XXXX and XXXX states this is my account. All I received back from XXXX was that the accounts were verified, I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>XXXX  I paid off {$960.00} on my credit card balance with Wells Fargo. 
On XX/XX/year>XXXX  Wells Fargo flagged my account as 30 Days Past Due on my credit report with a {$960.00} balance due. However, this is inaccurate as I do not owe a balance. Therefore, I am requesting that this inaccurate report be removed from my credit profile immediately.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called XXXX XXXX XX/XX/2024 to verify a charged off account on XX/XX/2024. I spoke to a representative and gave my social security # to access the account and the account can't be found. This account XXXX XXXX obviously does not exist and the account should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I used a CardTronics ATM XXXX XXXX TG XXXX ) at the Target store located at XXXX XXXX XXXX XXXX, XXXX PA XXXX on XXXX XXXX, XXXX at approximately XXXX. I attempted to withdrawal {$300.00} from my Capital One checking account. Mid-transaction, the ATM machine re-started itself XXXX pictures attached XXXX. As the re-start process took place, which lasted upwards of XXXX minutes, I logged into my checking account on my phone because I was n't sure what happened. My checking account showed a temporary transaction of a withdrawal of {$300.00}. I immediately asked a Target employee for help, and was informed it was n't their machine so they ca n't do anything. They suggested I call the number on the ATM, so I then contacted CardTronics and spoke to a representative, who informed me they could see the transaction and the error. They told me to speak to my bank, who would initiate the proper procedure to reverse the transaction. I called Capital One and they took down my information, including the XXXX phone number and terminal number. I was informed by Capital One that they would investigate the matter and reach out to me if they had any additional questions. In the meantime, my account was given a temporary credit of {$300.00} and a follow up letter stating the same arrived at my house. On Friday XXXX XXXX I received a letter from Capital One ( dated XXXX XXXX ) that they would be denying my claim because " we checked our ATM records and they do n't show an error for this amount. '' I never received the cash from the ATM, and I would imagine a transaction log within the specific ATM machine would show this. The cash remaining in the machine when it was restocked would not have corresponded with the transaction ledger.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (TN)

In XXXX of 2015, I received an alert from my credit monitoring service that Enhanced Recovery LLC had placed a collection account on my credit report. I did NOT receive any communication from this company. I immediately sent a request for debt validation by certified mail according to the FDCPA. I did not receive a response. I sent a XXXX request in XXXX 2015 by certified mail. I still have n't received a response although they are continuing to report the debt on my credit report.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax - I provided Equifax with proof of a Tax Lien withdrawal. Equifax sent 1st notice stating that it did not exist. I again disputed the item and received a notice that it has been deleted. The item still remains and after 2 additional attempts to have the item removed.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally express my dissatisfaction with TransUnion 's handling of my recent dispute. On XX/XX/2023, I diligently mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ). In this letter, I requested a thorough investigation into several inaccurate items on my credit report, including accounts with XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a bankruptcy listing. 

Additionally, I raised concerns about incorrect addresses listed on my credit report. To aid in the verification process, I attached a copy of my photo ID, social security card, and a recent bill displaying my current address, ensuring transparency in confirming my identity and residence. 

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ), I received a response from TransUnion dated XX/XX/2023, stating, We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response raises significant concerns, as it suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute. According to the FCRA, when a consumer disputes the completeness or accuracy of any information, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed items. It appears that TransUnion has not fulfilled this obligation.
Consumer complaint received 2017-10-30
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: EQUIFAX, INC. (TX)

I purchased a vehicle through XXXX XXXX XXXX in XXXX. I authorized them to run my credit once. I now have several hard inquiries XXXX XXXX, XXXX and in XXXX XXXX, XXXX. The XXXX called me in XXXX to notify me that I needed to call the lender because the lender needed to conduct a survey because XXXX XXXX XXXX is having issues with the lender until I do the survey. I contacted the lender and did the survey, however now I see that XXXX XXXX XXXX ran my credit through XXXX more times without my authorization. I have my loan through XXXX XXXX. The unauthorized inquiries that are reflected on my credit report are through TD Auto Financing, XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, and COAF.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (CA)

Inquiries Do Not belong to me. have them remove from all 3 credit bureus ASAP FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Experian continues to lust accounts on my credit teport which ate over 7 years old. Despite several attempts to dispute these items, they still leave rhem as tgey were.
Consumer complaint received 2017-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

WE XXXX XXXX XXXX HAD IN TOTAL ( 5 ) CHECKS THAT WERE CASHED AND ACCEPTED BY HUNTINGTON NATIONAL BANK. CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} AND CHECK # XXXX {$3200.00} # XXXX $ XXXXIN TOTAL {$19000.00}. THESE CHECKS WERE NOT WRITTEN NOR AUTHORIZED BY US. THE CHECKS ARE COUNTERFEIT AND CAN BE NOTICED JUST BY LOOKING AT THEM. WE XXXX XXXX XXXX NOTICED ALL THE ABOVE CHECKS WERE CASHED WITHOUT OUR KNOWLEDGE ON OR AROUND X/XX/2017. UPON NOTICING THESE CHECKS WE CONTACTED HUNTINGTON NATIONAL BANK AND ASKED WHY THESE CHECKS WERE NOT DENIED, JUST BY LOOKING AT THEM YOU CAN TELL ARE VERY OUT OF SINC AND COUNTERFIT. FOR ONE WE ALWAYS HAVE OUR PHONE NUMBER LISTED UNDER OUR ADDRESS AND WE ALWAYS HAVE SOMETHING WRITTEN IN THE MEMO BOX, AND THE CHECKS ARE OUT OF SEQUENCE AND THE AMOUNT IS WRITTEN WAY LARGER THAN ANYTHING ELSE. BOTTOM LINE IS THESE CHECKS ARE SO OBVIOUS TO THE EYE WE ARE DUMBFOUNDED THAT THESE WERE ACCEPTED BY HUNTINGTON BANK. AFTER WE CONTACTED THE BANK THEY SAID WE WILL GET RIGHT BACK TO YOU, IT TOOK THEM 2 WEEKS AND THEY FINALLY SAID CALL THE POLICE?? .... UPON CALLING THE POLICE THEY CAME TO OUR LOCATION AND SAID THIS IS A MATTER FOR FRAUD NOT STOLEN CHECKS. TO OUR BELIEF, HUNTINGTON SHOULD HAVE KNOWN THIS OR AT LEAST DIRECTED US. THEY NEVER SENT ANYONE OUT TO OUR LOCATION, NEVER ASKED FOR A MEETING, JUST KEPT PUTTING US OFF, ALL WE WANT IS OUR MONEY THAT WE FEEL WAS CRIMINALLY TAKEN FROM US. THIS COULD BE HAPPENING TO SOMEONE ELSE AS WE SPEAK AND FOR HUNTINGTON NOT TO GET ON TOP OF THIS IN A TIMELY MATTER IS GOING TO CAUSE THAT. A LADY CALLED US ON XX/XX/XXXX SAYING SHE RECEIVED A CHECK FROM US AND DID NOT FEEL COMFORTABLE CASHING IT. SHE SENT ME THE CHECK THEY SENT HER AND TOLD ME IT WAS A SCAM, SHE SAID SHE WAS LOOKING FOR A JOB AND THEY ( SOME COMPANY ) WAS GOING TO SEND HER A CHECK AND SHE NEEDED TO CASH IT AND SEND THEM {$2000.00} FOR HER SUPPLIES AND KEEP THE REST WHICH WOULD BE {$1400.00} SENT BACK TO THEM, THIS IS EVIDENCE THIS WAS ALL A SCAM. ALL WE ARE ASKING FOR OUR MONEY BACK TO OUR ACCOUNT WHICH SHOULD HAVE BEEN PROTECTED BY HUNTINGTON BANK. IF CAN NOT BE PROTECTED BY YOUR BANK WHO CAN WE TRUST TO BE PROTECED BY.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MA)

My Home Depot consumer credit card was past due because of a quick prompt in the online account.. some how authorization of paperless statements was selected and thus I never received notification of payment due by mail. This is a joint account I rarely use. I need a statement or phone notification to alert me a payment is due, not an email to that ends up in spam. In XXXX years I have not had a late payment and I am frustrated by the irresponsibility of the creditor to not insure consumers are receiving statements and able to make their payments on time. This creditor advised me when I called that incompetence is a regular occurrence and their system in not perfect and that many consumers do they not realize they are electing for wireless statements. Is it not the creditors responsibility to be sure their consumers want to be billed this way especially since this is an option and not an account requirment???
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed several accounts on my TransUnion report, asking TransUnion to remove them as a courtesy, to prevent me from filing legal action against them as I have already won and proved in court, I am not legally responsible for the same accounts against XXXX. In turn TransUnion put the accounts in dispute for identity theft. Although the lawsuit was about identity theft, my request to remove the accounts was not! I never asked for a dispute of the accounts but for Transunion to just remove them as it has already been proven in the eyes of the law that I'm not responsible for them. I am not asking for a dispute but for removal or I will have to take legal action against them just as I did XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. 
So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 
They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given right 15 USC 1681. 

According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 I t also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2017-10-30
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: EQUIFAX, INC. (CA)

As a result of the Equifax breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like XXXX businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the Equifax XXXX XXXX phone call today, XXXX/XXXX/XXXX ), if I sign up for Trusted ID, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX XXXX ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in XXXX XXXX and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my XXXX have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

Equifax says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is Equifax even in business? They had XXXX job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was looking over my credit report and was very frustrated to find that there were a number of inquiries being falsely reported without my consent. The bureaus did me a major disservice by putting this inquiries on my report with any kind of verification that they were true and accurate. I did not give them permission to give away my information to the companies listed on the given dates and need this fixed.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (OR)

I have had a credit account with Monroe and Main for years. I purchased some winter jackets using the credit account around XXXX time. I had relocated from the address I had resided at previously. Although I was logged into my account at the time of the purchase the creditor assigned a new account number because of an " alternate shipping address ''. I was not notified that a new account number was assigned and assumed that ( especially since I used my existing account ) my balance would be added to the existing balance. 
Because I was unaware that a new account was made, I continued to make payments on my existing account. Monroe and Main reported my other account ( that I did not know existed ) to the credit bureaus. I did not know until I got a credit monitoring alert. 
I had such a difficult time when trying to reach the appropriate person by phone being passed person to person. Each person gave me a different answer, half of which could not even locate either of my accounts let alone both. By the 4th call and 7th person I was finally able to determine that a second account had been created, they indicated this was their error when I demanded to speak with a supervisor and indicated they would XXXX credit bureaus and they would provide proof of this in writing. Despite this " promise " and 4 additional correspondences, I have not received any confirmation that this has been resolved. I had advised them that I would be making a report against them due to their flawed and destructive practices. They have reported two delinquent payments which dropped my credit score by 60 points. 
Please follow up with this entity and their questionable practices. 

Best regards, XXXX XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

On Friday XX/XX/17, I received an alert from the credit bureau 's that I have a collection on my credit bureau from a XXXX XXXX. I not only did not receive any written notice of this debt, but was never given the opportunity to validate this debt. I contacted Midland Funding and was not able to have them validate the debt.