davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (GA)

I disputed this account ( XXXX XXXX XXXX Account Number XXXX ) on XXXX XXXX for continuing to report inaccurate information on my credit report. Equifax did not due a proper investigation or provided me with the paperwork that they supposed to have that is required by the FCRA. They wrote me back the following month and said that it was reporting accurate when it's clear, it's not.They are continuing to report a charge-off every month. They are falsely manipulating the statute of limitations on this account after I disputed this account with factual information that their company provides. I will upload my original dispute letter along with the copy of the payment history proving that Equifax are in violation. I have also contacted the creditor and they have failed to respond numerous times. They are continuing to report false information on my credit report and are in violation.
Consumer complaint received 2024-02-10
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. (CA)

I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal. 
You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of 1974 '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX inquirer : Transunion/ on behalf of XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I was send the letter to Trans Union to dispute all mine credit report. 
Now am still not response from trans union at all. 
I am call in trans union ask the customer service to explain to me, they will delete everything from mine credit but now still not delete. 
Trans union have not following by law.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (TX)

I wrote a certified letter to Equifax that was received on XX/XX/XXXX USPS Tracking Number XXXX to dispute an old item and a collection that does not belong to me and all the inquiries are not authorized by me. There was no feedback from Equifax although the other credit agencies deleted the items.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

so far XXXX falsely reported on my consumer report by first XXXX XXXX XXXX XXXX did not give consent. 
violations 15 usc 1681i must be removed -grave responsibility of accuracy 15 1681 c2- have 4 days for removal I have asked for it to be disputed, they only updated it.
Consumer complaint received 2022-07-15
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. (LA)

I gathered my recent credit report from all 3 bureaus : TransUnion, XXXX and XXXX and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, TransUnion and XXXX have the same date of last date payment XX/XX/2017. Now, XXXX has a date of XX/XX/2017 as being the last date of payment. Which one is correct?
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I had no Idea this even existed until recently my credit was pulled and i was notified, they never notified me I owed this, I paid it off and was told I would get a deletion letter and now they wont give it to me.
Consumer complaint received 2022-07-15
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. (GA)

I've been disputing this account for the past year now and EXPERIAN still hasn't fixed this problem and i've been getting very frustrated with this errors on my credit report. I want to seek damages for financial injury for reporting INACCURATE information in my payment history. This has took to long and I need this done now. They have been manipulating the statue of limitation and reporting C/O every single month on my credit report. 

Experian stated my account was properly investigated but how is that even possible if the date of last activity is incorrect and the dispute status saying not disputed when I myself been disputing this account several times!!! 

Also EXPERIAN company has took more than 30 days to complete my investigation.

According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want thousand per violation that's reporting on this account or it needs to be DELETE IMEEDIATELY! 

XXXX OF XXXX XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (WA)

Received a text message on XXXX XXXX stating This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. No further information was provided.
Consumer complaint received 2022-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX Account XXXX : XXXX Validate this inaccurate report 3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX XXXX, XXXX. 
Account XXXX : XXXX Validate this inaccurate report. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (KY)

I was notified by XXXX XXXX that I had a delinquency in my report. When I looked at the delinquency it was with LJ Ross and Associates. I contacted them and they told me it was an unpaid bill to XXXX XXXXXXXX in the amount of XXXX. I have never resided in Nevada so this is clearly fraud. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX phone XXXX account # XXXX
Consumer complaint received 2024-02-10
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. (HI)

Today, at approximately XXXX XXXX in Hawaii, I received an alert on my phone from my credit monitoring service that a major derogatory account has been detected on my XXXX and Transunion consumer reports by XXXX XXXX XXXX ( a bulk debt buyer ) on XX/XX/2024. According to the law, a debt collector must follow certain criteria before furnishing an alleged debt on a consumers consumer report or face penalties or legal action for its deliberate consumer rights violations. 

Under the XXXX XXXX XXXX, my rights to privacy have been violated, which is protected by law. XXXX XXXX XXXX XXXX states as law that my personal information be protected and remain confidential by the institution involved, and If violated, there are grounds for legal action against all parties involved, including XXXX XXXX XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option According to this section of the law, XXXX XXXX XXXX has violated my consumer rights ; they did not follow any of these requirements before furnishing my private information to the CRAs, and it should not be on any of my consumer reports, including Transunion, XXXX, and XXXX, and must be deleted immediately. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Cease and desist all communication from this debt collector. Transunion and XXXX shall also begin an independent investigation on this account to ensure that it is 100 % accurate, complete, and fair, according to FCRA. or delete it from my consumer report!
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CA)

I went to XXXX XXXX XXXX XXXXXXXX on XX/XX/2023. Me and my fianc had a great time and I paid my tab and left. My fianc is actually working there as of now and almost lost the opportunity because there was a dispute put out on my charge of {$110.00}. I had not disputed anything and bar owner said this was something that I would have had to do manually, which is why my wife almost lost the job. I called MoneyLion and in fact they said I did NOT file a dispute and they have no record of me contacting them to file a dispute. With that said, they advised me they will put the dispute under investigation. They said it will be resolved within XXXX business days and I will be contacted but, after me contacting them numerous times and being hung up on after being put on hold for over an hour a few times. I actually initially contacted them the day I was informed by the bar owner and that was on XX/XX/2023. Here we are XXXX  days later and now Money Lion sent a notification to XXXX XXXX XXXX XXXX that they are taking them to court for this. I have taken time off my job and my wifes job is now at risk again. I have email proof from MoneyLion that they claim I didnt dispute this. I am having so many issue and need help. My username for the account is $ XXXX and my Complaint reference number from Money Lion is : XXXX
Consumer complaint received 2022-07-15
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX 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
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (AL)

I am writing to formally express my deep concern and dissatisfaction with the unprofessional and abusive behavior exhibited by Hunter Warfield , Inc. representatives during their attempts to collect a debt. 

On several occasions, I have been subjected to rude and offensive language, which is not only inappropriate but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). The Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from consumers. 

Furthermore, despite my requests, Hunter Warfield , Inc. has failed to provide me with a debt verification letter. This is a clear violation of my rights under the FDCPA, which mandates that upon a consumer 's request, a debt collector must provide a validation notice detailing the amount of the debt, the name of the creditor, and the consumer 's rights under the FDCPA. 

Lastly, I have come to understand that Hunter Warfield , Inc. is not licensed to collect debts in the state of Alabama. This is a serious concern and a potential violation of state and federal laws.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio (GA)

Vance & Huffman is reporting a debt on my credit that is not mine. I recently checked my credit and noticed this debt. When I called to confirm if this debt, they were not able to give me any information that confirms this is my debt. Someone had called to make a payment and I advised them to send me an id and they didn't want to send me anything. This is not my debt
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It appears that/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}