davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX have never had an account with this company CAPITAL ONE XXXX XXXX from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXX am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXXAccording to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-03-15
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. I have already sent the required/necessary files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Please update the accounts that are erroneous in my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$380000.00}.
Consumer complaint received 2022-12-26
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. (NC)

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 2023-01-11
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: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXXXXXX / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX  XXXX / XXXX # XXXX Account name : XXXX XXXX XXXXXXXX / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX  / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : 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 2023-03-18
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the aforementioned items are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-02-03
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. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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
Consumer complaint received 2024-12-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP (ND)

I am filing this complaint regarding the practices of Rausch Sturm LLP, which I believe may be in violation of federal and state debt collection laws.

Summary : Rausch Sturm LLP has been attempting to collect debts without proper licensing in the State of Minnesota. Upon my inquiry with the XXXX XXXX XXXX XXXX, I received confirmation that neither Rausch Sturm LLP nor XXXX XXXX XXXX ( an attorney representing the firm ) is licensed as a debt collector or collection agency in Minnesota. Despite this, the firm continues to operate from multiple XXXXbased addresses, including : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have also issued legal documents with Rausch Sturm LLPs name and branding to collect debts in my state and possibly others. This raises significant concerns about their compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection regulations.

Specific Concerns : 1. Licensing Violations : Operating as a debt collector in Minnesota without proper licensure violates both state and federal laws.

2. Misrepresentation : By issuing legal documents under the firms name without appropriate licensing, they may be misrepresenting their authority to collect debts.

3. Potential Impact on Consumers : These actions could undermine consumer rights and potentially lead to financial harm for those unaware of their licensing issues. 

Actions Taken : I have contacted the XXXX XXXX XXXX XXXX and verified their lack of licensing. This issue could extend beyond Minnesota if they are similarly unlicensed in other states while attempting to collect debts. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.BANK OF AMERICA XXXX Open Date XXXX XXXX, 2005 Balance : {$25000.00}. In 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-11
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TX)

On or around XXXX - XXXX I saw a lot of pre approvals on Credit Karma. At first I didnt pay it any attention, but Credit Karma sent emails stating that I was pre approved for credit cards, personal loans, cheaper insurance and car refinancing. I saw these advertisements every time I open the app to check my credit report. I received so many offers stating that I was pre approved that I decided to apply. I even shared the information with my family members. We decided that we would use these pre approved funds to make investments and take a nice vacation. So I applied on or around XXXX for a credit card and a personal loan and was denied. I applied again in XXXX for another credit card. I was highly disappointed due to the fact I was told that I was pre approved. As of today, I am still receiving these emails. I am afraid to apply, because I may be denied again. At the time of applying, I had a pretty high credit score at all 3 credit bureaus. I couldnt understand why I was denied. I was deceived and it pissed me off. I was marketed for months to realize it was false representation on behalf of Credit Karma. I did not receive what was offered. I was highly disturbed by what took place because of the impact that Covid had brought about. But here it is XXXX and Im still being marketed for the same false representation. Credit Karma is not being honest about the pre approved content it is sharing online and through emails. The denials put me in a stressful situation. It created anxiety and added to my XXXX. Now when I see a pre approval advertisement, I immediately turn the other way due to how I was treated by Credit Karma during a crisis in America.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC. (WA)

I first filed this complaint with the Federal Reserve after making contact with Ally over 12 times with promises someone would reach out to me and customer service Im unable to escalate this to a manager. 2-3 weeks ago I was told my account hold would be lifted XXXX it has not. Ally is also very slow processing my payment. See this history below : Ally Bank sent me a pre approval offer for a XXXX in XX/XX/2022. I accepted the offer and qualified. Once approved, I cancelled a credit card with another bank and when my Ally card arrived, I transferred a balance to Ally. However, my balance did not exceed the approved {$3000.00} limit. I made extra payments on this card all from my same XXXXXXXX XXXX checking account. The one Ally linked and verified. One payment I made a {$1000.00} payment that was processed and posted. Then I started getting charge denials for very small purchases and logged into the Ally App to see why. My account said ON HOLD in XXXX. I called Ally customer service and was told some smaller payments were returned. No email, message nor any notification from Ally about the returned payments. From the same account as my posted payment. Ally customer service kept going silent on me when I asked how payments could be returned when the all came from my confirmed XXXX XXXX  account that was saved in the Ally App by me, not any newly typed numbers. Customer service would only say they put a 5 day hold on my account because of the returned payments. Well, my account is still on hold and it is now 10 - 15 days from when I called customer service. 
Customer service promised a supervisor would call me at my request. I asked twice over the past 15 days and no returned call. Then I chatted with Ally via Messenger recently and was promised at least times I would get a call. No call back and my account is still on hold. Despite having available {$1900.00} and two test payments I made that posted and cleared. Why is my account still on hold? This has put me in a difficult position, as I already closed my XXXX XXXX credit card account and only keep one credit card - Ally.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company XXXX XXXX XXXX ( XXXX  ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is $ XXXX, the other $ XXXX. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins aXXXX XXXX XXXX.and doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.
Consumer complaint received 2022-11-04
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. (NY)

I received your response XXXX ( XX/XX/2022 ) that you need my updated email address which is XXXX. It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to file a complaint regarding a case of identity theft that I have recently discovered. I believe that my personal information has been compromised and used fraudulently to open accounts without my knowledge or consent. I am seeking your assistance in resolving this matter and protecting my rights as a victim of identity theft. I have contacted all three major credit reporting agencies, including XXXX, XXXX, and Experian, to place fraud alerts on my credit reports and request a copy of my credit report to review for any further fraudulent accounts or activities. 3. Notified Financial Institutions : I have reached out to my bank, credit card companies, and any other relevant financial institutions to inform them of the identity theft and request that they freeze or close any accounts associated with it. 4. Contacted the Federal Trade Commission ( FTC ) : I have filed an identity theft report with the FTC and obtained an Identity Theft Affidavit. Supporting Documentation : To support my claim of identity theft, I have enclosed the following documents. Identity Theft Affidavit from the FTC Request for Assistance : I kindly request that the Consumer Financial Protection Bureau investigates this case of identity theft and assists me in resolving the matter. I seek your guidance in ensuring that all fraudulent accounts are closed, any unauthorized charges are removed, and my credit report is restored to its accurate and rightful state. I understand that the Consumer Financial Protection Bureau has the authority to intervene and take appropriate actions to protect consumers in cases of identity theft. I kindly request your utmost attention and prompt action in resolving this matter and providing me with the necessary support and guidance. Thank you for your time and consideration. I eagerly await your response and resolution of this matter. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX