davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (NC)

I have trouble getting any kind of loan for car or anything because of something that I had no control over. I could not afford insurance but I had no choice to go to the hospital or I would not be here today to even be telling my story. It wasnt something I wanted to do and have more debt added to my credit. This has made my life so much harder and makes my interest rates so high on anything I do get so I dont have the extra money to pay for my medical bills. Not everybody has the chance or opportunity to have insurance and going to the doctor or hospital is not a necessity it is a have to or you can die. I have stomach problems and I would not have made it if I didnt go to the hospital. I was recently hit by a drunk driver and have had no income to pay any medical bills and I have to buy a car to be able to get to work so I can just pay to live. If I could get some of the medical off of my credit it would make my life so much easier. Like I said before it wasnt something I wanted to do it was something I had no choice to do. If you could please help I would be more appreciative than you know.
Consumer complaint received 2021-10-05
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)

On XX/XX/21 while reviewing my consumer report furnished by EXPERIAN, I noticed an unauthorized inquiry initiated by XXXX XXXX XXXX XXXX in which I did not authorize or consent to. 

On XX/XX/21 I sent XXXX XXXX XXXX XXXX a letter in which they received on XX/XX/21 notifying them of the unauthorized credit inquiry in which they initiated that is furnished on my consumer report. In that letter, I notified XXXX XXXX XXXX XXXX that I did not authorize anyone employed by their company to view my personal information, They violated the FCRA 15 USC 1681b ( 2 ), and that XXXX XXXX XXXX XXXX isn't entitled to make the inquiry which is a serious breach of my consumer rights. I also requested that XXXX XXXX XXXX XXXX provide a signed copy of the authorization form that gave them the right to initiate a consumer credit transaction on my behalf. 

On XX/XX/21, I received correspondence from XXXX XXXX XXXX XXXX alleging that they are unable to research the issue. 

On XX/XX/21, I sent XXXX XXXX XXXX XXXX a cease and desist whereas I demanded the following : provide an audit trail, deletion from all consumer reports, validation, provide name, address, and phone number of the original creditor, provide name, address, and phone number of all parties that benefitted from this illegal transaction, cease and rescind the use of my intellectual property, my signature, and return all requested documentation so that I can properly assess the validity of this transaction pursuant 15 USC 1692g. 

XXXX XXXX XXXX XXXX has been non compliant to my demands. XXXX XXXX XXXX XXXX has failed to respond or send the requested documents. XXXX XXXX XXXX XXXX is violating my consumer right to validate the debt pursuant 15 USC 1692g.
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I opened an business account with Bank of America in 2020 as a part of a promotion promising a {$750.00} bonus once certain qualifications were met. After several months and fulfilling all my obligations, I did not receive the bonus. So I called to inquire. Once it was confirmed that I met the requirements, I was promised a phone call. I never received one. So after this, every few weeks I would call to inquire but to no avail. With every call I was repeatedly lied to about someone calling me back which never happened. I was even told once when I went to a branch that I would receive a call. I never have. Normally when I would call I would be transferred from agent to agent with several saying there is nothing they can do, so just wait for a phone call. It never came. So after 6 months of being lied to I closed the account and removed my funds since I really wasn't getting anywhere, but it doesn't stop there. So to add insult to injury, a year and a half after meeting the qualifications and being lied to and ignored, I received a 1099 FOR MONEY I NEVER RECEIVED!!!!! AND I STILL HAVE NOT RECEIVED A PHONE CALL!!!!!
Consumer complaint received 2022-04-24
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. (FL)

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 : Acct. # XXXX XXXX XXXX XXXX : Acct # XXXX XXXXXXXX XXXX XXXXXXXX : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX, XXXX : Acct # XXXX, all 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 an 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 2022-04-24
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. (NC)

I accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions 15USC 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 7 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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: Thunderbird Collection Specialists, Inc. (AZ)

I was recently made aware of XXXX XXXX XXXX XXXX violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the President, XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that Thunderbird Collection Specialists had been harming my financial reputation for over a year until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The XXXX was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. Thunderbird Collection Specialists has been in business longer than 50 years, there is no excuse for their actions. Further, several court cases support Ignorantia juris non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. Thunderbird Collection Specialists never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.
Consumer complaint received 2022-04-24
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. (FL)

Account # : XXXX Account Name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-10
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-12-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NJ)

Upon review of our account on we noticed suspicious activity. Our mailing address was changed to an address not associated with the owners. We changed the mailing address back to our property address as well as our online account password. The mailing address was subsequently changed again without our permission. We have mailed Shellpoint a letter confirming this suspicious activity. Requesting a letter to be mailed is not taking fraud seriously. Time is of essence. There are no procedures to lock your account due to fraudulent activity. The customer identification process is not rigorous. They simply ask for last 4 of SS #, name and address.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I am supposed to receive XXXX XXXX XXXX passes and a {$50.00} coupon good for inflight purchases from XXXX XXXX. However, I have not received anything for the year XXXX, XXXX and XXXX. 
For the year XXXX and XXXX, I was waiting for above coupons but didnt bother calling the US Bank because I could not travel to XXXX anyway due to the pandamic Now, XXXX, the restriction has been lifted and i am planning to go to XXXX XXXX 
I called the us bank beginning of XXXX and was on hold for XXXX mins and then I just hung up.
Consumer complaint received 2022-09-10
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. (GA)

This is my countless attempt to file a complaint and tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-09-10
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. (GA)

This is my countless attempt to file a complaint and tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Account # XXXX Request for VALIDATION, NOT Verification To Whom It May Concern : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters with a certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-24
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. (CA)

Hello, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-24
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. (MI)

In accordance with the fair reporting act XXXX  account number XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX acoount # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 sec 602 A. states i have the right to privacy.

15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (NJ)

Letter submitted to XXXX on XX/XX/XXXX via XXXX online dispute portal XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX, and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above-mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. 


I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX
Consumer complaint received 2022-09-10
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. (AL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date opened- XX/XX/2017 Account # XXXX
Consumer complaint received 2022-09-10
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the Fair Credit Reporting Act, TransUnion has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 According to the 15 U.S.C. 1681 section 602A. States I have the right to privacy. This address does not belong on my credit report XXXX XXXX XXXX XXXX XXXX Ga XXXX The only address that should be on my credit report is XXXX XXXX XXXX XXXX Ga XXXX
Consumer complaint received 2022-04-23
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)

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, has violated my rights. 

XXXX XXXX  # XXXX, has violated my rights. 

XXXX - XX/XX/2021 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 2022-04-24
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. (PA)

In accordance with the fair credit Reporting Act XXXX  Account 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.