davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a XXXX  who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

XXXX XXXX XXXX has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit
Consumer complaint received 2023-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

I contacted Mohela on XX/XX/XXXX to request refund of COVID payments that were made during the COVID forbearance. They sent a response apologizing for not answering my request and asked me to call if it has not been resolved. I am unable to get through via phone and it has now been 4 months without be resolved. I sent them the following message : I am writing to request a refund of payments I made during the COVID forbearance. These payments include the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These 13 payments were made direct debit from my account. Please send refund asap.
Consumer complaint received 2023-03-06
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$2000.00} XXXX XXXX  Account number : XXXX Balance : {$6600.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1600.00}
Consumer complaint received 2022-07-17
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. (OK)

In accordance the Fair Credit Reporting Act ( XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-06-26
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. (GA)

I have disputed the alleged bankruptcies amongst other items on my credit report with XXXX, XXXX  and Experian. XXXX  has removed alleged bankruptcies that were not mine as I have a victim of Identity theft, however XXXX  and Experian states after investigation that the information is " verified '' Upon further investigation, I have reached out to XXXX which the said credit bureaus stated XXXX XXXX XXXX XXXX has verified the information, however, XXXX stated that information has been removed and have provided me with a report to reflect that they DO NOT have the information in their files. Nonetheless, per the attachments the negative information is still being reported, which is causing me tremendous stress and harm. 

I have attached a copy of one of my police reports. As well as investigation results from Experian, XXXX  and XXXX. Additionally, I have attached, the results of the investigation of XXXX  with removals of inaccurate information, as well as XXXX investigation results.
Consumer complaint received 2023-03-06
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. (MI)

Hello im submitting this complaint because the following account is being reported by EQUIFAX inaccurately and in violation of 15 US CODE 1681b ( a ) ( 3 ) ( f ) which states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 


The original account in question which is XXXX XXXXXXXX XXXX  is no longer owned by the collection agency THE BUREAUS which is a violation of 15 US CODE 1681b ( a ) ( 3 ) ( f ) because i have not initiated any business with this company and i i have no terms of agreement to meet with this account, therefore should not be reported by EQUIFAX. Here are the account details : THE BUREAUS/XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-17
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. (OK)

In accordance the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX I went to XXXX after speaking to loss and prevention on the phone to confirm that I was able to open an account with XXXX since back in XXXX I did have an account close due to fraud. The gentleman that I spoke to stated that the accounts were closed and no account was active so I could walk into any Chase Bank branch and open a new account. I went to the local branch in XXXX XXXX XXXX, NV on the corner of XXXX and XXXX XXXX. spoke with XXXX XXXX who opened a new checking account for me. I placed over XXXX in the account over the weekend and on sunday XX/XX/XXXX I went to check my account balance from the weekend to find out I was locked out of online access. I called the number on the screen only to be informed that XXXX had decided to end our banking relationship without reason and I would not get MY money until they seemed fit. I again called on XX/XX/XXXX to the same department and was told it was possible for the branch to release the funds if they had the staff but after some department reviewed the account was told this was not possible. Now XXXX has over XXXX of my money, I am left without any funds to feed my children, get food, gas, or emergancy funds if something were to happen since I moved all my money to this bank and they on no reason decided it was no longer MY hard earned money and it was theirs to do at will with and play with peoples lives. The only thing I did was wire money as I was told by the banker was the quickest was over multiple times and for that I feel I am being wrongfully punished by this bank, my children are being neglectied their right for food and a way to get to school since I can not provide gas in my vehicle as of now .. This has to be stopped. These people are wrong to be messing with peoples lives.
Consumer complaint received 2022-07-17
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. (FL)

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.
Consumer complaint received 2020-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (GA)

on XX/XX/2020, I responded to Pro Collect, Inc by sending some dispute letters to some negative items which is on my credit report reporting a debt that i don't owe.I have attached the letters to the complaint what i have stated.
Consumer complaint received 2020-05-21
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. (TX)

nquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX remove all the inquires
Consumer complaint received 2023-03-03
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00}.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AmeriHome Mortgage Company, LLC (NJ)

Hi I applied for a Forbearance plan by my bank because they wrote on their website that they will not report delinquent and but when I say my report the upcoming month I find a remark on my report whit the letter 's PDE ( please be aware that I never used this plan I all monthly payments ) I contacted my bank right away to remove Forbearance plan because I thought that no NEGATIVE INFORMATION INCLUDING REMARKS WILL BE REPORTED and try to explain them that my whole application was a mistake ( please be aware that I never used this plan I all monthly payments ) and remove the remarks. They send back to me a letter. That, Please accept this letter as confirmation that no adverse info has been reported on my account. and never removed the remarks.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX  Office.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regulation Z gives borrowers the right to cancel certain credit transactions, including a lien on a borrowers dwelling, to regulate some credit card practices, and to provide consumers with access to fair and timely credit billing disputes. 

Regulation Z is enforced by the U.S. Federal Reserve Board and  the Consumer Financial Protection Bureau. However, the Dodd-Frank Wall Street Reform and the Consumer Protection Act of  XXXX transferred most responsibility to the CFPB. 

My Auntie passed away XX/XX/XXXX. Several fraudulent purchases where made while she was on her death bed and other purchases where made after she died .My Aunt XXXX never abused or maxed out her credit cards. XXXX never gave consent for anyone to use her credit cards. She never authorized any authorized signers on any of her accounts. I want all these fraudulent credit card purchases to be carefully reviewed, and i want all charges cancelled due to fraud. My aunts spending patterns where simple. She always paid in full, never left a balance and hardly never used her credit cards. Why weren't these unusual spending patterns noticed? Its negligence on the creditor part for not noticing unusual patterns, large purchases a. I am the Personal Representative of her Estate, and I want to make sure all of her affairs are in order. 

RE : XXXX, XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My name is XXXX XXXX DOB XX/XX/XXXX I'm the Personal Representative of the Estate of XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX we went Citizens Bank XXXX XXXX XXXX XXXX MA XXXX with my daughter to collect information about student loan. The Bank associates name was XXXX who helped us that day. we asked about information on how to apply student loan and give us more information about loan, we made it very clear and said we were looking at other banks so we didnt want to apply today. XXXX took me and my daughter info and told us he would run soft inquiries to see if were qualified. We mentioned to XXXX, your citizens associate, again that we dont want hard inquiries because we are only collecting information. XXXX said no its not a hard inquiry, its a soft one. We left the bank and we had email alert that show citizens did hard inquiries on both of our credits. We never reviewed application and never gave citizens Bank consent to finalize behalf of us we contact citizens and no one has reached out to us. He also he put my daughters name incorrectly on the student loan application and applied behalf of us, very unprofessional and very illegal. 

Can someone reach out to us and let us know is there any regulations and procedures citizens is following with best of my knowledge no one can use my so-called with my consent.
Consumer complaint received 2022-07-17
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. (NJ)

In accordance with the fair credit act XXXX XXXX XXXX # XXXX has violated my rights. 15u.s.c 1681 section 602 .A states I have the right to privacy. 15 u.s.c 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written instructions