davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ON XX/XX/XXXX There was an account opened in my name that is now in collections for {$9300.00} ALSO ON XX/XX/XXXX There was a false collection for {$670.00} under my name that should have been resolved already. 

15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions.

15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.
Consumer complaint received 2021-10-20
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)

Sad I now have to pursue this avenue, this vehicle among others that were purchased via identity theft XXXX refuses to remove this fraudulent information off my credit report rejecting Experian 's attempt. This is obviously Identity theft because it is a 1st payment default which is fraud. XXXX is unable to produce even one verified payment or accurate documentation to prove beyond a reasonable doubt that this is a legitimate debt. I am hopeful that this issue will be resolved here without having to take this in front of a judge.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Verisk Analytics Inc (OH)

Calling constantly. I called back after a robocall to explain I only get {$550.00} per month on SSI. My health mental and physical health are being affected adversely by this continued DAILY XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX by stress, & severe currently untreated XXXX XXXX XXXX I explained I made No debts or signed anything obligating me to pay them, esignature or manual with their company. Therefore owed them nothing. I had to look them up on reverse dialer yo learn who they were, so I could plead a cessation to the constant calling.
Consumer complaint received 2023-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (IA)

I had my identity stolen, and didnt find out for years later when I went to buy a vehicle. Im trying to distort these since I was not the one that gained from this, but a victim of theft. Please help me to rid these from my credit report. Im trying to get help with these. I appreciate all your kindness. There were 4 acts I found.. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI dont have the rest of this act number sorry.. please help me rid this from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC (MT)

Today I received a call from ( XXXX ) XXXX XXXX. The caller asked to speak with me and then requested personal information. I inquired who the person was and that the purpose of the call was ; the person stated they worked for Receivable management services. I asked if this was an attempt to collect a debt. They told me they were not allowed to tell me that. I said on the contrary they are legally required to tell me if this is an attempt to collect a debt. The caller refused to answer stating that they needed my information to verify the account before she could identify the purpose of the call. I requested contact information and she stated that she worked for the company named above, her name was XXXX XXXX and that the mailing address was XXXX XXXX XXXX in XXXX PA. I again asked if this is an attempt to collect a debt and she refused to answer. I requested a supervisor ; she stated the supervisor was at lunch. ( Call came in at XXXX which would be XXXX her time, so a little hard to believe ). I did XXXX this company and they are notorious debt collectors. I dont know if any debts Ive failed to pay so I cant think of a legitimate reason for this company to be reaching out to me. In the end though, their failure to identify themselves is a violation.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made a total of 4 payments totaling {$4100.00} using my Bank of America On-Line billpay service that have not been received by XXXX XXXX XXXX 
XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$1000.00} XXXX - {$600.00} XXXX - {$1000.00} I have made additional payments in XXXX that have not been credited to my XXXX XXXX XXXX XXXX XXXX  account. 

I have notified the bank and the credit card company - XX/XX/XXXX There is currently in excess of {$6000.00} taken from my BOA account and supposedly sent to XXXX- which XXXX XXXX does not aknowledge.
Consumer complaint received 2022-11-04
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXX, & XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XX/XX/year> My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person FCRA Section 604 Permissible Purposes of Consumer Reports This section of the FCRA specifies when a credit bureau can legally furnish your credit report to a third party. Some permissible purposes for making a credit inquiry include : Credit Transactions : When a lender or creditor is evaluating you for credit, loans, or financing. 
Employment Purposes : If an employer is performing a background check with your written consent. 
Insurance Underwriting : When an insurance company is considering you for coverage. 
Government Licensing or Benefits : When the government needs to check eligibility for licenses or benefits. 
Court Orders : In response to a valid court order or subpoena. 
Debt Collections : When a company needs to collect on a debt owed by the consumer. 

For an inquiry to be authorized, it must meet one of these permissible purposes. If it does not, it is considered an unauthorized inquiry, and you have the right to dispute it. 


I have no capital one accounts Ill leave photos below
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CA)

XXXX purchased anything on this card in over two months its been sitting in my closet all of a sudden Ive been paying {$35.00} every month so I can hurry up and pay the {$750.00} off on this card as of yesterday I have a balance of XXXX now today 24 hours later I have a balance of XXXXXXXX XXXX XXXX dollars Im getting hit for late fees and Im not even using this card
Consumer complaint received 2023-02-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

In XXXX of XXXX, I contacted XXXX XXXX about a charge that I was 2 days late. The payment showed submitted on my end, yet didn't complete on theirs. As I am in the IT industry, I know how this can happen. I was told by XXXX XXXX that if I paid ( this was 2 days after ) they would refund the late fee and all would be well. I was told to pay over the phone. I did so. As I don't ever use this card and haven't for years, I normally do not look at the account every month. 

In XXXX of XXXX, my credit report was pulled. As a result of my credit score, the lender did not offer a favorable interest rate. When asked, they said my score wasn't that good, and I had a XXXX - XXXX late note. I was shocked. 

I pulled my credit and saw that once again XXXX XXXX was the reason. Although I had been told back in XXXX, the problem was paid for and fixed, it was not. I complained and after a few minutes a Supervisor refunded everything back to XXXX XXXX, even the interest. 

I filed a dispute with both XXXX and Equifax. These people did not do their diligence to investigate the claim. I was immediately told via writing, that the credit report was true. I sent pictures of the account which showed a XXXX balance, as well as the reversal of charges all the way back to XXXX XXXX. Even with all this evidence the " investigation '', was deemed to be correct. In other words I am lying. 

I have suffered because of this, I have received a less favorable interest rate on a loan, based off of this information. I have tried to contact all three parties involved only to be told that " the report is accurate ''. Well I would have to say that if they looked at my screenshots and actually investigated this, it would show that this was not correct. 

I have screen shots of the account, credit reports, etc. I will also be filing with the FTC, as this is incredibly wrong to do to someone. I am not sure when their last compliance audit was, but based on this, I would say they are overdue for some oversight. 

Thank you for your help in this matter, and facilitating this complaint.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My information was used to open up an account with XXXX XXXX, I never heard of XXXX and never have done any business with them. There is a {$500.00} XXXX account on my credit report. 

I am a victim of Identity theft and would like to have this removed from my account right now.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The last day of service with XXXX XXXX, XXXX, and XXXX ( XXXX ) was XX/XX/2021. I gave them a forwarding address and I received a final bill at the new address in which I paid immediately. The next time I heard about them was about XX/XX/XXXX or XXXX from a collection agency. I denied owing the debt and asked them to investigate. In the meantime I logged into my account and saw that the meter was read again on XX/XX/XXXX and another bill was there. This bill was never sent to me or I would have paid it immediately. I paid the bill then and there online. On XX/XX/XXXX I received an alert from Equifax that XXXX had placed a collection on my credit. Again, this was a bill I NEVER even received. On this same day, I received a forwarded collection notice from the collection agency ( a different company ) with a misspelled last name ( XXXX ). XXXX had my new address. I don't understand the misinformation. However, even if they would have sent to the bill to the old address the forwarding was intact. I NEVER received a bill. I called the collection agency back and they stated that they did not place the collection. They had received the collection notice from XXXX on XX/XX/2021 and according to Equifax that was the exact same day they reported the collection to them. I never had a chance to get the bill and pay it. Due to this my credit score dropped a WHOPPING 30 points in the middle of trying to buy a home. I moved from my old home and am having a new one built. I pay close attention to my credit and my bills. In the 9 years that I was at the old house I never had my lights cut off or any issues paying the bill. I feel defeated and treated unfairly. Not only was I not able to speak to XXXX they also updated the account to say " Paid Collection ''. How is it a collection if I was never notified and allowed to pay the bill??
Consumer complaint received 2021-10-19
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: Bread Financial Holdings, Inc. (GA)

Greetings, I would like to file a complaint against Comenity Bank/Wayfair Cir . I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MO)

Okay so I went to jail on XX/XX/XXXX of 2021 and was not released until XX/XX/XXXX of 2021 when I was arrested I left my purse my phone my credit cards everything in somebody's car which later then explain to me was stolen so on XX/XX/XXXX is when I started reporting all my card stolen chime was one of them. My tax return I did not even know was put into my account because I couldn't access it at the time so I never personally received that whoever stole my purse while I was in jail obviously access that and when I reported it to chime they denied my claim there were many claims that were denied by time that I am now out a lot of money for I recently got a notification from the IRS stating that they had sent a deposit as of XX/XX/XXXX of 2021 again I have yet to see that reflect on my account I've had nothing but issues trying to get any bit of my money back from all this
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I received a copy of my credit report and I have found accounts are not reporting accurately. XXXX accounts that are reporting late were in fact paid on time. I need the consumer reporting agencies to report accurate information. I am requesting you to investigate these accounts thoroughly and accurately and update payments to paid on time immediately. 

List : XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, Account number : XXXX, XX/XX/XXXX I have attached a copy of my report to this complaint. Thank you for your understanding and prompt action.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: RENASANT CORPORATION (GA)

I was charged XXXXXXXX XXXX XXXX XXXX for charges that were made to my account prior to my account being overdraft. I was charged XXXX overdraft charges for items under XXXX $ that was made days before my account went into XXXX  and before that they charge me almost XXXX XXXX XXXX XXXX XXXX  for a similar issue, charged not posted but funds pending and they charged for XXXX $ over for all charges that posted if my account went into XXXX  for XXXX $
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (DC)

I have XXXX accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these XXXX accounts as late in XXXX of XXXX despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed XXXX YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in XXXX when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/XXXX I received a letter with a debit card attached with my name on it from USAA. I am neither a veteran or a family member of a veteran, as well as this letter was sent to my parents address not my legal address. I will attach a picture of said letter as well. On the same day I called 4 different USAA customer support lines in an attempt to resolve the issue. On the fraud line I was on hold for 90 minutes of the 180 minute wait time before the call just dropped. This also happened with similar results on 2 more of the 4 customer service lines I called in an attempt to report this fraudulent account. On the XXXX of XXXX I recieved 4 more letters from USAA stating the newly opened account has been overdrawn by more then {$400.00} combined between the letters and that I am to settle this amount as soon as possible or they will close the account ( which is not mine ) and report my debit to a collection agency. This time I called a number on said letter, listed as a customer support line, I spoke with a XXXX twice and a XXXX once, both very insistent on getting my full account number ( which I don't have because I don't have an account with them ) or my full social security number ( which I refused to give over the phone ). They both ended up " transferring '' me, resulting in a 2 hour hold period ending in a dropped call at the 140 minute mark. I called the fraud line again this morning to hear there is an 8 hour wait to speak with someone.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXX XXXX credit card and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.