davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ashton & Weinberg, Inc. (NJ)

I was contacted by a person named XXXX XXXX on XX/XX/21 and left me a voice message and it is given below : " This message is for my name and our company owner 's name. My name is XXXX XXXX I'm a private civil XXXX and I have been retained to do an asset liability investigation against both of you and your business scheduled to begin tomorrow morning at which time I will be contacting, interviewing any possible Banks, Merchants, Vendors, Customers you are doing business with, gathering public records such as liens and judgements. I will be sending this information off to the firm that has been retained my services. So, If you do have any questions prior to me coming out or any COVID related issues that prevent me from coming out please contact the firm of XXXX XXXX XXXX they can be reached out at XXXX XXXX XXXX and do reference the case # XXXX. '' When I did contacted XXXX XXXX XXXX and spoke to XXXX XXXX XXXX, asking about the information and He started in a rude manner that we owe a company named XXXX XXXX XXXX ( which we don't owe anything and XXXX is billing for unauthorized charges which was already in dispute ) and that Myself, the owner of the company and our company that he threatened to sue. When I asked him about his rude behavior he started using XXXX, abusive language and XXXX Slurs. 

I hung up the phone call and started searching online about this company and I saw lot of people are affected by this collection agency in the same manner and I have attached the links below of various complaints : https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX Collection Agency information : XXXX & XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, RI XXXX Ph : XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: VYSTAR CREDIT UNION (FL)

Dear Sir/Madam, I am writing to lodge a formal complaint against Vystar Credit Union XXXX XXXX abrupt cancellation of my credit card and its subsequent adverse impact on my credit report. 

My credit card account with Vystar was unilaterally closed by the bank following a single missed payment. Despite assurances from a representative of the institution that if I made the payment, the card would be taken out of collection status, and I would be able to continue using it and making payments towards it, my account was closed without my knowledge. This action, I believe, constitutes a violation of my consumer rights. 

In addition to this, I have been consistently unable to access my online account due to persistent maintenance issues, often encountering messages indicating that the online portal is down. This has limited my ability to effectively manage my account and could be considered a contributing factor to my payment issues. 

With these ongoing difficulties in mind, I express my willingness to establish an automatic payment system, ensuring no future payments are missed, should my account be reinstated. If this is not feasible, I respectfully request that this account be removed from my credit report. 

Moreover, I would like to highlight my rights under the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). XXXX and FCRA regulate the provision of adequate account change notifications and accurate credit reporting, respectively. Given my inability to access my online account and set up electronic payments, my rights under the XXXX XXXX Transfer Act ( XXXX ), which establishes protections relating to the electronic transfer of funds, XXXX also be implicated. 

In light of these concerns, I kindly request that the Consumer Financial Protection Bureau investigate this matter, and I urge Vystar Credit Union to reconsider their decision, rectify the negative information on my credit report, and ensure reliable online access to my account. 

Given that I am currently residing outside the country and lack access to physical mail, I request that all communication regarding this matter be conducted via my email address : XXXX. 

You all have been helpful so far. Thank you for your attention to this matter as I would love to continue doing business with your institution.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the account referenced XXXX AUTO XXXX. 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? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/2022 which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped.
Consumer complaint received 2023-07-25
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. (MI)

On my credit report there are several errors. I spoke to the original lender and stated there was nothing they could do. Transunion reported on XX/XX/2021 was when account was last active and XX/XX/2021 was last paymentXXXX XXXX  states on XX/XX/2021 account was last active and XX/XX/2021 was last payment. XXXX states XX/XX/2021 was last active and XX/XX/2021 last payment was made. All these errors on this report are confusing. This has caused me stress and time lost to complete my goals with my credit. Please remove this off my credit report
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-07-25
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. (VA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc. (IN)

I had gotten a bill collection letter in the mail today, from physical therapy, filed in XX/XX/2023, file XXXX XXXXXXXX Well I do not owe any amount for my therapy appointments, every time I went in I did the right thing and asked how much I owe and my answer was nothing, it shows you owe nothing, so how am I getting sued for not owing anything? I havent even gotten a so called bill for this and Im angry, I did the right thing and now they say I owe them all this money, no, no I dont
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-25
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. (NJ)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

I've been contacted falsely for the last 2 weeks and had my card deactivated because Citibank thinks the transactions are fraud. I've repeatedly told them they are not but they can't fix the issue. Please get me in touch with someone at the bank that can fix their awful fraud system.
Consumer complaint received 2021-05-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

My wife and I closed on a VA mortgage with Quicken Loans ( Rocket Mortgage ) on XX/XX/21. At that time my taxes for escrow was listed as {$9100.00} or {$760.00} a month. Today ( XX/XX/21 ), less than three months later I am being notified that my taxes have increased to {$13000.00} or {$1000.00} monthly. That is a difference of {$3800.00} Annually or {$320.00} Monthly. I am not sure how my taxes could've increased by 30 % within 3 months. I feel like Quicken loans has deceived me by allowing me to think my taxes were lower that what they truly are. I chatted with XXXX today concerning this and she stated that she was " shocked '' by the increase. She also stated that they can not get an exact amount for taxes and this is normal. I know that it is important to qualify borrowers and ensure that they can make future payments. This is not the way to do it. {$300.00} while in a COVID environment with rising gas prices and cost is not conducive to ensuring a borrower has the ability to repay a debt.
Consumer complaint received 2022-08-11
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)

Based on the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  Account # XXXX has violated my consumer rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-05-18
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. (TX)

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account, & its multiple balances and balance updates reported on XXXX XXXX 2021
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

On XXXX, XXXX 2023, I, " " paid in full a previous balance of {$590.00} directly to XXXX for the purpose of resolving a outstanding debt to XXXX and to have my credit report to reflect paid in full by debt collector Jefferson Capitol Systems ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) ( XXXX ) XXXX I called Jefferson Capitol Systems directly to advise that my debt to XXXX was paid directly to XXXX. Jefferson Capitol Systems attempts to force me to pay the debt twice before correcting my credit report. 
Whereas XXXX was paid directly, Jefferson Capitol Systems is not entitled to a duplicate payment of {$590.00} resulting in combined payment of {$1100.00} for the single debt of {$590.00}. 

Jefferson Capitol Systems continue to refuse to update my credit report although the XXXX XXXX is paid in full and is verifiable through XXXX.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

I had 4 hard inquiries hit my credit report.on XX/XX/year> that wasnt made by me. Please help me remove them being a victim of fraud. XXXX. XXXX Inquiry - XX/XX/year> Institution : Citibank N. A Account Type : All Banks XXXX. Inquirer Name : XXXX XXXX XXXX  / XXXX Phone : ( XXXX ) XXXX Industry Type : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. Reported By : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Type : Credit Bureau XXXX. Inquirer Name : XXXX XXXX XXXX XXXX Phone : ( XXXX XXXX XXXX Industry Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TX)

YOUR COMPLAINT I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP.
Consumer complaint received 2022-08-11
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)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2022-08-11
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. (GA)

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Sectuib 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2016 Dept of EdXXXX {$18000.00} XXXX Dept of Ed/XXXX {$2900.00} XXXX Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$260.00}
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (GA)

I filed XXXX disputes against a creditor ( XXXX XXXX ) but Experian only sent back certain laws back but never sent my complaint to the creditor for a response. I filed a dispute in XX/XX/XXXX and got no results. I then filed again in XX/XX/XXXX still no results.
Consumer complaint received 2022-08-11
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. (GA)

On XX/XX/2022 I sent in letters to XXXX to have 8 accounts and removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. On XX/XX/2022 I sent in letters to XXXX to have 6 accounts removed. I also sent letters to Experian XX/XX/2022 to have 5 accounts removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.
Consumer complaint received 2024-12-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc (IL)

I gave proper notice to XXXX XXXX XXXX. What was left in the apartment wasnt mine because I turned in my key long before. They kept my first month rent and deposit. The apartments are uninhabitable because I went without a toilet for four months and they had no maintenance at the time. XXXX XXXX XXXX told me to move. They still havent showed actual proof of the apartment and what Im being charged for. The things they claim were in the apartment werent mine.