davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (PA)

XX/XX/XXXX, I visited an auto dealership For XXXX, I finally decided to trade my XXXX XXXX XXXX for the XXXX. After the dealership checked my credit report, I was informed that I had a recent collection added to me account, that significantly impacted my XXXX XXXX. 

When I returned home, I started investigating and seen that a " XXXX XXXX  '' had contacted the XXXX credit reporting agencies, XXXX, Experian, and XXXX to add a collection of {$1400.00} dollars to my credit report. resulting in an ( XXXX XXXX  REDUCTION ) due to the collection. 

Trying to resolve this with the XXXX XXXX representative, I explicitly explain. NO ONE EVER CONTACTED ME, I NEVER HEARD OF THIS, I was informed by the XXXX XXXX Representative, that XXXX XXXX have sent numerous letters/notifications to my current address since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Ironic thing is I DIDNT MOVE TO XXXX  XXXX XX/XX/XXXX ( work relocation ), HOW IS THAT POSSIBLE??? 
The bottom line is, NO ONE FROM XXXX XXXX, EVER CONTACTED ME, THEY CIRCUVENT WORKING TO RESOLVE THIS AND SIMPLY ADD THIS TO MY CONSUMER 'S CREDIT REPORT. as soon as I became aware of this, I immediately paid the {$1400.00} dollars, which I would have done, IF I HAD KNOWN THERE WAS AN ARREAR from a XXXX apartment. 
The representative from XXXX XXXX, informed me that If I paid this collection, the would remove this from my consumers credit report, I PAID THE COLLECTION THE SAME DAY, AND IT ONLY SHOWS PAID AND NOT REMOVED, MY CREDIT REPORT AS DECREASED BY XXXX XXXX  due to this. 
I'm not disputing if the arrears are mine, I'M SAYING THE PROCESS XXXX XXXX utilizes is against the law, the consumer XXXX XXXX SOME PROTECTION from lazy credit collection agencies who don't want to contact consumers, just add this negative life changing collections to the consumers account and force then to contact us, THIS IS ILLEGAL, PLEASE PROTECT THE CONSUMERS, THIS IS RIGHT PEOPLE!
Consumer complaint received 2022-12-31
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-31
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I notified Citibank by phone of fraudulent activity resulting from a balance transfer check that posted on XX/XX/XXXX. At that time I was informed there was nothing further I need to do. Citibank representative said I would receive notification of dispute within a short time period, and they would issue a new credit card. On XX/XX/XXXX I called Citibank again to confirm dispute was in process, and tried to obtain an address to send written notification and I requested a copy of my credit card agreement. After insisting on speaking to a manger so I could be provided the exact address of where to write in order to file a formal dispute, XXXX ( a supervisor ) came on the line and gave me a PO Box tht was not the same as what I found out later should be used. As of the writing of this complaint, I have only been provided a copy of a somewhat illegible credit card agreement, and have not been provided with any written confirmation of my dispute, and they have not sent me a new credit card " in order protect the integrity of the account ''. I sent registered return receipt letters to XXXX different Postal Boxes that I was given from various personnel and correspondence with Citi, and I have acknowledgment of receipt dated XX/XX/XXXX. As of this evening, there is nothing on the website for my account that shows the account is in dispute, and I have not received any sort of acknowledgement of it either, and I have a payment due on XX/XX/XXXX. The company stated that they could not provide me with the name of the company or person that the fraudulent check was paid to.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Thaxton Investment Corporation (SC)

In process of filing for bankruptcy and they continue to call my work and my mom even after repeatedly telling them not to call and the situation with our bankruptcy. Today XXXX called my mother said not to call her again and then hung up. He called immediately back and said he was not going to remove her number and will keep calling. XXXX also continues to call my job even though I have told him multiple times I can not accept calls at work.
Consumer complaint received 2022-12-31
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. (PA)

Based on, 15 U.S. Code 1681c-2 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 afte the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-31
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)

Based on, 15 U.S. Code 1681c-2 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 afte the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (IN)

I opened a Credit Card with Chase through XXXX to get XXXX bonus miles. The bold letters stated that I have to spend {$3000.00} in 3 months to get the bonus miles. My credit card statements billed me slightly over {$3000.00} ( I think it was {$3000.00} ) but Chase did n't credit me the bonus miles. 
When I called them they told me that the CC service fee does n't count as purchase and therefore I 'm below {$3000.00}. They state this fact is noted somewhere in the fine print. But this is a fairly critical fact and should be noted not in the fine print or a small foot note but up front with everything else. I feel cheated and deceived out of these bonus files.
Consumer complaint received 2022-12-31
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MD)

In XX/XX/2922, One Main to inquire about my car which is being used as collateral on my loan. I used the car as collateral for the original loan 2 years ago, but I have since paid off both a ) the cost of what remained on the car note and b ) what the original loan amount was. I refinanced this loan last year to cover new expenses. The car has failed inspection, is no longer drivable, and the cost of repairs would be more than the cost of the car ( about {$2500.00} according to XXXX ). I asked one main if they could either release the title so I could trade the car in or allow me to provide other items of value as collateral because this car is not worth anything. The branch placed me on several holds, then told me they would call back. After waiting 5 hours, I called back and the branch manager said that neither scenario was possible. He suggested that a dealership pay off the entire remaining balance of the loan, which is almost 7.5x higher than the cost of the car. I filed a complaint with the XXXX, and after a series of responses, One Main informed me that they accept the risk of the car not being drivable and they would a only release the title if the loan is paid in full. On XXXX, One Main accepted a {$6900.00} payment from my insurance company, which left a balance on the loan of {$10000.00}. One Main released the title to XXXX, and informed me that the balance/interest/and terms remained the same. In the XX/XX/26 letter and in multiple occasions, one main informed me that the title would only be released if the loan is paid in full, which is clearly untrue. I have been mislead and mistreated, and One Main was clearly settling for the highest bidder for the car. This policy clearly needs to be rewritten and updated, and some resolutions should be offered to me for how this company has repeatedly unfairly treated me.
Consumer complaint received 2016-10-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I received an alert from my credit monitoring service stating that there was a new inquiry for a credit application on my credit file from Navy Federal Credit Union on XXXX XXXX, 2016. I have never applied for credit from this lender and contacted the creditor to state that this was fraudulent.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with XXXX, XXXX, Experian as I need a accurate credit report. Inquiries Deleted and Bankruptcy.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit Reporting act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years 15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person information is in fact inaccurate knows or reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (CA)

My name is XXXX XXXX My address : XXXX XXXX XXXX XXXX, XXXX  XXXX Amount : {$600.00}. 
DISPUTE CASE ID - XXXX XXXX Dear SIR or MADAM on Consumer Financial Protection Bureau! 
IN XXXX, everybody had XXXX ( Economy impact payment as rapidly as possible ) but i did not receive the card... 
On XXXX, XXXX i find out i quality to have the card but why didn't have the card. 
Check on old email, i find out the stament ... someone steal and use the card ... because all transaction unrecognized.. i call for customer service... than ... find out ... they SEND WRONG ADDRESS!! 
The address they delivered was XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX. My address without XXXX XXXX. 
This situation is not my fault. Because WRONG address < i dispute all transaction in this account because NOT ME! I DID fill out the dispute form and explained they send WRONG address ... they are DENIED my case.. with reason " i did not provide enough information to support the case.
Consumer complaint received 2022-12-31
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. (FL)

My name is 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.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with Transunion, XXXX, XXXX as I need a accurate credit report. Inquiries Deleted and Bankruptcy.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (MD)

In accordance to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (FL)

My name is 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 2022-12-31
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. (PA)

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, 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 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc. (TX)

I was living at an apartment at " XXXX '' for over XXXX years with no trouble, however, in XX/XX/XXXX the apartment started having foundation problems and started cracking all over the walls and it was fested with roaches. when I talked to the apartment manager in XX/XX/XXXX they said it can not be fixed and i can move out without any charges ; however, toward the end of XX/XX/XXXX the apartment complex was sold to another company and when i moved out on XX/XX/XXXX the wanted to charge me about {$500.00} extra for an apartment that was not suitable to be rented. I disputed that charge and they sent it to a collection agency Southern management at XXXX which has been harrasing me since XX/XX/XXXX even though I told them that the debt is not valid and they need to either take it to court or stop calling me. they continue to call me with threats and report the incorrect debt to my credit report. Again they either need to take me to court or stop harrasing me.