davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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 has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2021-01-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-06-23
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)

Back in XX/XX/XXXX I was advised that I could refinance my loan and that the past due payments will be reflected as current. I received a new loan in which the 1st payment was due in XXXX and the account has been paid on time. 

In XX/XX/XXXX, I received a letter confirming that if I refinance my loan, past due payments will be updated to current. However, the account is closed and past due payments have not been updated to current on the old loan as I was advised. 

The letter is conflicting and misleading because I was told by a representative that it did not mean that the past due payments will be updated, it was stated that the the loan would report current when the new loan was established. But the letter does not state that. The letter states Past Due Payments will reflect current. I have disputed the past due reporting before and was told that the past due payment history will not be updated. Im in the process of purchasing a home and the negative information is hurting my credit score.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I sent a XXXX payment of {$3600.00} from my BofA bank account to an XXXX ( XXXX XXXX ), phone number XXXX ( XXXX ) XXXX. He sent me an invoice first from XXXX At XXXX XXXX XXXX   XXXX XXXX, XXXX, FL XXXX, then from XXXX XXXX XXXX, incorporated in Colorado but with a business address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. I never received the products or a response from XXXX again. I contacted BofA and XXXX and was told that XXXX payments are irreversible, even though they advertise them as safe and easy. I have conversations, a paypal address and email, and the invoices I was sent from this man. My bank or XXXX were not of any help. A friend found this site today, hopefully you can help me to recover my money, or at least find the fraudster and have him brought to justice. 

Thanks, XXXX
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (VA)

The date posted is XX/XX/2023. Reference number XXXX. For RMP services, LLC. XXXX XXXX XXXX. XXXX, OH XXXX. I am filing a dispute for my son who is XXXX XXXX XXXX. XXXX XXXX. Whose on the bill. He can not pay a XXXX balance on his account. Since, he is only XXXX XXXX XXXX. So, from here on I am providing enough information. That his father XXXX XXXX will be taking on his debt. This is not the XXXX XXXX XXXX debt. At the time, of service his father was the one present. Therefore, under law he is required to submit paperwork and therefore be disputed his debt from this day forward. The collection company should not be billing my child at this point. Thank you for your time. Hope to be in contact with your company about this matter. At this point this is serious matter. In that, the hospital was responsible for the well-being and care of a child. And allowed an adult to provide false information about a debt that should not be collected in his name. For services. The child is not at fault for services that were rendered to him. And provide a XXXX XXXX XXXX with debt that he is not responsible for. I will be in touch with your company. No correspondence is to arrive in my mailbox under my childs name. Thank you.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

I had service once before with XXXX XXXX and the home i had moved to they was unable to connect my service. so i suspended my service all together. I then noticed months later that they were still taking the money off of my credit card. When i called them back in XXXX or early XXXX to resolve the issue and have them put the money back on my credit card. They refused to do so and still wanted to take money off of my credit card. so i then had to get my bank involved to get my money back from this company. So then they falsely put me in collection and when i filled and complaint against XXXX XXXX with XXXX they stated that XXXX XXXX was correct but put a statement on my credit. I have documents from XXXX XXXX as well as proof that this account was removed from my credit report in XXXX with the XXXX XXXX XXXX XXXX on XXXX XXXX. Then i have noticed on my credit report Credence Resource Manage, Credence Resource Manage XXXX, MI XXXX. File # XXXX was put back on my credit report. They are trying to charge me for the same account that was removed off my credit report. This is not my bill I have not received any type of documentation stating this was my bill and going on my credit report. When i did have my money pulled back from my bank they sent me a bill for {$210.00} that i did not owe them. But then they put {$350.00} on my credit report that was removed in XXXX. My bank also canceled my credit card i had on file with them because they was taking my money illegally. Also when i contacted you about XXXX if you look on my credit report it was remove twice.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (TX)

When making the purchase XX/XX/17 XXXX the dealer was suppose to fix the a/c. I went inXXXX to have the a/c fixed. Stayed at the facility 8 plus hours and they didn't have the part to fix nor was the part ever ordered because they claimed they couldn't find the part. This was a part of the deal. Weeks went by and still no call to bring my truck in for service. Although I made several calls to arrange for the a/c to be fixed. The dealer didn't hold up their end of the bargain was not held. They have now placed this on my credit report.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Chase-my account has checking and credit card. Checking was closed with no reason. They said it was negative and cant be negative more than 60 days and my account had no movement for months. But I had my direct deposit coming in every 15 days. So I asked them Id like to pay for the negative amount that I owe you so I can have access to my statement. They said the amount was XXXX now because the couple of direct deposit bring them to positive so they closed it. Until now I sincerely dont understand why did they close my account and never give me a statements. For chase sapphire credit card - I just closed it this year XXXX. I missed a few payment so my credit score went bad and credit card was closed since XXXX kept account open to pay the debt and interests. I asked them about the coronavirus fee relief and I never be able to waive a single cent. I paid off my credit card with interest and fee. Same issues occurred but this time my login was block I couldnt log in to my account. Call them to be ask for full credit card info that I was closed in XXXX or account number that I had only last 4 digits. I try to get my information to be told that my account was locked due to fraud transactions. What? My credit card was closed by chase, I only paid during the time after it was closed. I couldnt use any credit on that card even if I paid off. Now my accounts was ban from fraud transactions. Need full credit card numbers of over two years ago card, full acc number when I have left was last 4 digits of my account number on my email, ssn is not allowed to be used for searching at the time. Statements will be paper released only if I provided 16 digits number card or account. Chase what are you afraid of? Or hiding? The number never lie, I paid off by sending fund from another account. The day I asked you to waive late fee because I was short about {$10.00} from over {$200.00} minimum payment. Your customer service said only {$10.00} I should have no problem. She did great though to remind me {$10.00} was lower than my minimum wage for an hour and I would definitely be charged if I failed. I dont know how to say it so I hang up. Just want to explain I was laid off suddenly late XXXX, XXXX payroll records. All my last paycheck was used to paid credit card XXXX XXXX, XXXX, and chase credit account. I can borrow from friends and family but I did that before and not really proud of it. Charge me if you think it is necessary it is just gon na take me a day longer to pay you off. Never claimed unemployment nor plan to claim it. That was the message I want to tell her.
Consumer complaint received 2020-06-23
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. (NC)

SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRASs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-06-23
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXX {$1100.00} DEPTEDXXXXXXXX XXXX {$3000.00}
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}, {$8400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (TX)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (TX)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. XXXX 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 ) ( XXXX ) Section XXXX : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-10-13
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)

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.