davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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. (IL)

In accordance with the Fair Credit act 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 a 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Prosper Marketplace, Inc. (NV)

Hello, My credit profile was pulled by this company, prosper/XXXX  and I did not authorize my credit to be pulled. I reached out to this company and credit application was withdrawn. I requested for this inquiry to be removed off my report and I was told the fraud department will notify me via email. I have yet to receive any message from this company.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has illegally closed my business account and personal account. I requested documents from Bank of America showing the reasons or findings for the account closure. It has been nearly 2 months and business fails to respond to such request. This lead me to the assumption that the accounts were indeed closed without cause. 

After account closure, securing a bank account elsewhere has been extremely difficult because Bank of America has reported this error to XXXX. 

I reach out to gain such a solution going forward.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Advantage LNS Inc. (TN)

In XX/XX/XXXX, I went to court for XXXX XXXX XXXX after i moved out in XX/XX/XXXX. In court under oath both XXXX XXXX XXXX and my attorney agreed that i vacated prior and did not owe any damages and monetary penalties. The lease they tried to use was date XX/XX/XXXX when i signed my lease on XX/XX/XXXX for a one bedroom unit and received a two bedroom that was 3x more then my income and i could not afford the unit. I was the only person one my lease that i signed in person in the office and the lease they were trying to present was done online contacted to the locked account that i had no access to. That lease was thrown out of court on XX/XX/XXXX. XXXX XXXX XXXX sold my personal information to a company called National Credit Audit Corporation, XXXX XXXX XXXX, XXXX, TX XXXX. 
this company is trying to collect over {$12000.00} from me and sent me a copy of the same lease that was thrown out of court and agreed as a fraudulent collection by both XXXX XXXX own attorneys as well as the judge in XXXX XXXX. they have placed this on my credit as a eviction and i was not evicted but moved out.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (TX)

ABILITY RECOVERY SERVICE XXXX XXXX XXXXXXXX XXXX, PA XXXX This account is listed as being 4 months old. The account is actually 2 years old. Ability states that they will not change it. This is fraud.
Consumer complaint received 2022-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

The company MIDLAND CREDIT MANAGEMENT , INC is trying to collect {$810.00} from me for an account they claim I owe. I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Credit Management has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account 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 account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have filed a dispute with Equifax for 6 consecutive months on my XXXX XXXX Account. They are reporting the same account twice. After every investigation I am told that those accounts have been verified despite my dispute asking them to delete the duplicate accounts. I only have 1 account with XXXX XXXX. Equifax has the account listed twice with the same account number, amount, and terms of agreement but only two days apart. I explained to them each and every time that no company will give a consumer the same loan for the same account days apart. I have completed 4 online disputes and 2 disputes over the phone with an agent. After reviewing the investigation results, I immediately call the company just to be informed to do the process over again while engaging in an unprofessional dialogue on their part. The main manager by the name of XXXX with the dispute department has been very rude throughout this process. One more than 2 occasions, I have had to tell her to stop yelling in my ear, when I continued to ask her to explain why they keep giving me the run around. I have contacted XXXX and was told by them that they are only reporting once to Equifax and it is an error on their part. They said their hands are tied becasue they are doing what is required. I called to relay the informtation to Equifax and they continue to say that XXXX is reporting twice due to their investigation.They keep asking them to verify the account but is is obvious that it is not being investigated because there is no way XXXX is verifying erroneous information stating that they gave me the same 1 loan on two separate days only days apart with the same amount, account number, and term. This erroneous reporting is negatively impacting my overall credit score which lessens my chances of making favorable purchases. Please assist, I dont know what to do at this point. 

I have repeatedly asked them to delete the duplicate account.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (NY)

XXXX, experian and XXXX  are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.
Consumer complaint received 2022-07-31
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. (NY)

In accordance with the fair credit reporting act XXXX accounts # 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 credit reporting agency Can not furnish a account without my written instruction. 

Accounts XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (WI)

File number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Request to remove inaccurate information Dear, Equifax Information Services LLC Company Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Account Type : REVOLVING Reason for Dispute : Last Payment date/Closed Date Incorrect/Current/Previous Payment Status Incorrect. This account has the wrong information, I would like this account removed from my credit file. 
The balances are way too high, I never spent that much on that account. 
This is a prepaid card, this is not a credit card, I would like this removed from my credit file of Equifax. I do not spend off of this account, this needs to be deleted immediately.
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I noticed ( when checking my account online ) that a {$1000.00} payment was purportedly made to my Citi Bank credit card account from a payment account that was not mine. I immediately notified Citi that I thought a fraud was in progress and that I did not make the payment. At Citi 's suggestion the credit card was canceled and replaced. Thereafter, Citi notified me that the {$1000.00} payment was not honored because of NSF and that I would be charged a {$30.00} " returned check '' fee. Thereafter, I chatted online with a city representative who told me that I was responsible for the " bounced payment '' ( " bounced '' is my word not Citi 's ) I never made or authorized. The account is one I have had since XXXX. I almost always pay the bill in full. No payment was due when the fraudulent {$1000.00} payment was made.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

I purchased items online from XXXX XXXXXXXX XXXX. When checking out noticed a XXXX XXXX  offer to pay monthly installment without realizing this was a Citibank offer called XXXX XXXX. Upon receiving XXXX bill from Citibank my minimum payment was {$300.00} more than I could pay. I contacted Citibank customer service on XXXX who refused to cancel XXXX XXXX and said couldn't be cancelled. Then asked to speak with manager and rep said could only send an email. On the same day, received call from XXXX XXXX Account manager from XXXX XXXX on XXXX around XXXX or XXXX, XXXX. Very quick. He explained and could cancel all items that were XXXX and adjustment would be made on minimum payment due to XXXX XXXX charges being canceled. This made lots of sense to me and was reasonable. He stated minimum payment adjustment could take place in a couple of weeks close to billing cycle. 
My complaint is not keeping agreed commitment on minimum payment adjustment. I also contacted XXXX and advised contact bank. Writing a complaint letter to them as well. Very confusing promotion and misleading.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Equifax, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy. 
To reinforce my request, I cite the case XXXX XXXX XXXX XXXX ( XXXX ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-12-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC (CO)

Subject : Complaint Against Debt Collection Agency for Harassment, Illegal Third-Party Contact, and False Threats Debt Collector Information : XXXX XXXX Email Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Specific Violations : Repeated Harassment of Myself and Family Members : Over the past two weeks, this debt collector has sent harassing text messages to myself and multiple members of my family, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The messages contain threatening language and false claims, such as : A supposed " bank XXXX '' within XXXX business days. 
The arrival of " enforcement teams '' at my home or business " unannounced. '' This is the sixth instance of this kind of harassment. 
Illegal Third-Party Contact : The debt collector is disclosing personal information about my alleged debt to family members, violating the FDCPA, which prohibits such communication unless it is solely for locating the debtor. 
False and Deceptive Threats : They have made unfounded claims about legal actions that are not supported by any court filings or documentation. For example : " Full bank XXXX. '' " Enforcement teams arriving at my home or business. '' Failure to Validate the Debt : Despite the harassment and threats, the debt collector has not provided any verification of the debt, as required by the FDCPA. 
Impact on XXXX and XXXX XXXX : The repeated harassment has caused emotional distress for me and my family members. 
My family has been unnecessarily involved and subjected to intimidating communications. 
The nature of these messages leads me to believe that this debt collector may not be legitimate or is engaging in predatory practices. 
What I Request from the CFPB : Immediate Investigation : Determine whether XXXX and XXXX is a legitimate, licensed debt collector. 
Review their actions for violations of the FDCPA and other applicable laws. 
Cease Harassment : Require the debt collector to immediately stop contacting me and my family members. 
Enforcement Action : Impose fines and penalties if they are found to be in violation of federal law. 
Protect My Rights : Ensure that all further communications, if any, comply fully with federal and state laws. 


Here is the text XXXX XXXX XXXX XXXX XXXX XXXX XXXX  received. This is one of many that we have received from them. 

XXXX XXXX XXXX XXXX XXXX, XXXX, due to the breach of contract my client is requesting a full bank XXXX. It will typically take effect in XXXX business days depending upon how quickly your bank processes it. Also, I just emailed our enforcement team to let them know you never showed an interest in scheduling a time for them to arrive so I instructed them to arrive unannounced. Please make anyone that will be at any business or home address tied to you know that they may be arriving. Thanks, XXXX at XXXX and XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00}