davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX at XXXX XXXX I met with Assistant Operations Manager of Bank of America ; XXXX XXXX ; Officer, Financial Center Operations Manager, XXXX XXXX XXXX ; Bank of America XXXX The XXXX, XXXX XXXX, XXXX XXXX informed XXXX XXXX that my personal account XXXX has been levyed. I informed her that at Deposit was made directly into this account form XXXX XXXX County Workman 's Compensation Fund in the amount of XXXX on XXXX XXXX and that the monies were frozen since XXXX XXXX, 2015. I showed her a copy of the deposited amount and she verified it on the account. I also informed her I was being represented by Attorney XXXX XXXX, XXXX of XXXX XXXX XXXX at Telephone XXXX and XXXX and XXXX XXXX at XXXX as Co-Counsel. I informed XXXX that I have not received any notice from the bank that a garnishment order was received, the date the order was received, a brief explanation of the garnishment, an explanation of the bank 's responsibility to protect federal benefit payments direct deposited during the look-back period and keep them accessible to the account owner, the requirement that the bank identify any protected deposits during the review, and an explanation of how I can assert other exemptions in the garnishment action to try to protect any funds that the bank must freeze and provide the written name of the creditor who obtained the garnishment order and contact information. I also informed XXXX XXXX that XXXX State Law EIPA protects financially struggling families from losing all their money. In accordance to XXXX State Law, the Bank must allow you access to at least {$1900.00} - {$2600.00}. Assistant Operations Manager XXXX XXXX said she would forward this information to the Bank of America Legal Department.
Consumer complaint received 2015-03-19
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (TX)

I 'm receiving calls from a company who will not give me their name threatening to have my license suspended over a payday loan that I have no recollection of. They are also threatening to have warrants issued against me. Not only will they not tell me their company name, but they will not provide any documentation about the supposed loan.
Consumer complaint received 2015-10-27
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: EXPERT GLOBAL SOLUTIONS, INC. (OR)

In 2008 XXXX XXXX credit card forewarded a debt balance of {$110000.00} to NCO Collections Agency, l was out of work with no way to pay this debt, that accrued from XXXX XXXX credit card company. As NCO perused collections attempts from me, they decided to forward my account to their sister law firms. As NCO Collection persue to collect this debt, the debt increased with time. For each law office they sent the debt to. 
Fees, late charges, mail handling, and any other fee they could claimthe debt to this card added up. NCO also decided to garnish my wages while l had no job, and was unable to find work? The fees kept being added, until they thought to send garnishments to more than ( XXXX ) XXXX banks throughout the entire state of Oregon. I received return receipts for each and every letter they sent. The action they took rattled my nerves, how am l suppose to work to pay them the debt now it 's adding up to amounts unknow. Each time they sent me a letter l would respond. If you check with the XXXX XXXX courts you will see how many garnishments they sent against me In their letters it said l owed the balance at the present time with accruing interest rate of 9 % annual, with no end in sight to explain or allow me to ask questions. Like where are the payments l made before NCO Collection Agency stepped in? Being unable to find work l decided to forgo trying to work this debt out, due an increase every year onto the debt of 9 %. Once attorney General XXXX created these consumer protection laws for us l 'd be crazy or sick with stress wor ring how to pay this off so it became hopeless for me and I gave up and let XXXX step in, so here l am in this complaint from at this time.
Consumer complaint received 2015-10-28
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (MI)

I am a rushcard holder, and two weeks ago there was some type of glitch with their system once they upgraded their technology. Because of this, I was unable to gain access to my funds that were supposed to be direct deposited the day before. I also was not able to reach anyone at Rushcard for several days, and still have been unable to reach anyone as of today. 

This caused my bills to be late, and I am now trying to play catch up on the expenses that I had during that time.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rossi Law Offices, Ltd (FL)

I was in a motorcycle accident and had to go get a XXXX. I was not supposed to be charged this copay at all ; but was due to a clerical error. As I was unaware of the mistake the billing company made and so it was sent to collection. I sent the collection agency a copy of the statute proving I should not have been billed and a letter asking them to verify the information over a month ago. They never replied to me. Instead of removing the information from my credit report as they are required to do un der the FCRA ; they changed the creditor name to N/A. They are also reporting the same XXXX dollar copay XXXX times ; each off by a few dollars a few digits in the " account '' number they reported. Their XXXX and only motive for doing this is to cause my credit score to drop and to harm me. I am happy to send you copies of the correspondence if this helps in your investigation.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2015-10-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In XX/XX/XXXX I opened a Capital One credit card acct. It was a {$500.00} credit limit. In the same year XX/XX/XXXX I lost my job and was un`able to find a job paying more than {$7.00} to {$8.00} an hour. So in XX/XX/XXXX after my unemployment funds ran out, l could n't pay my debt. 

As my debt proceeded to remain past due, the collection attempts were strong and stronger. There were threats of me being sued as well as being garnished from my wages if l continued to not pay my debt. Capital One forwarded my debt to their sister offices to persue collections while building fees on the {$400.00} debt now owing more than the card limit allowed. For each move to their sister offices fees were added, along with late charges. Which now makes the debt look like l owe more than the credit limit allowed. Once Capital One finished sending my account to their sister agencies, they wrote off {$1100.00} and referred my debt to a legal office. XXXX. 
Upon XXXX receiving my debt, they then fowarded my debt to each of their XXXX sister agency offices while adding late fees, collections fees, mailing fees, while attempting to call to collect this debt. 
Still out of work, for each call or letter l received l responded by telling XXXX l was still unemployed and looking for work. Their threats continured with the balance due increasing all the while. Once this debt went to all their sister agencies, l was threaten and told l will pay XXXX way or another. 
After some time had passed, XXXX realized that l was n't going to pay they turned my debt over to their legal team to harass me, threaten me beyond anything l 'd heard, then XXXX gave their legal staff permission to garnish my wages. While my debt has increased with no way to pay, l was still being threaten with all sorts of legal action against me. These garnishments from XXXX agency were sent to many other banks l had no association with. The fees against my debt increased with no end in sight, where as when due deligence was excused it was then learned that my property where l lived was in my husband 's name only and l wasn ' included in name on any of our properties. This is where the {$390000.00} comes with interest accruing @ XXXX percent annual. I would owe this debt until my death! for this was only a {$500.00} Capital One Credit card. 
I did not receive notification of my right to persue this debt, because l was told as well as hollered at in paying this entire amount off asap.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A. (IL)

I had my Home Depot credit card stolen ( 2007 ) and used by someone else. I had all the police reports to indicate this. Home Depot refused to see the issue and said it was my fault the card was stolen. So, they kept me liable for the charges. I disputed every call I got. XXXX days ago, I got a call from my daughter-in-law, who is an XXXX of the court that she received a very harassing phone call to have her give them my number. She refused but took down the information so I could call and find out what this was all about. The man I spoke to was threatening to take me to court if I did n't pay the outstanding balance owed even though it was fraud. He did not give me a chance to speak to my lawyer, altho he knew I had a lawyer involved in the case and should have called him instead of me. I was never given a chance to show my documentation and was told I had to pay right away or go to court. He had me sobbing and scared. He said just take care of this and it will all go away. I called the company he represents, XXXX XXXX XXXX. He represented himself as a lawyer which i later found out he was n't. When I spoke with his office manager to request a copy of our recorded message ( he told me it was being recorded ) she, XXXX, told me there was no recording of the call. I called XXXX again today to ask her to send me the file they have on my case and she said she would have to check with her manager to see if they can send me the file. So, after being harrassed, my daughter-in-law being harassed, they have no intention of sharing with me the proof that I owe the money. XXXX XXXX was called in to a meeting yesterday ( per XXXX ) to discuss how he handled the case, and subsequently resigned. So I am now hold XXXX XXXX XXXX liable for unfair practices. 

1. my daughter in law was contacted at her place of work2. He represented himself as a lawyer. 
3. He threatened legal action against me. 
4. He was aware that I had a lawyer and contacted me anyway. 
5. He did not provide me with verification of debt. 
6. He did not notify me of my right to dispute the debt, except to say if I disputed it I would be taken to court.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
Product: Credit reporting 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 Reporting act. The List of accounts below has violated my federally protected consumer rights 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
Product: Credit reporting 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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$4600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

The address under Experian on my XXXX credit report has been reported as a new address which is incorrect Experian has also filed a Collections for {$6700.00} under a company called : XXXX XXXX XXXX, whose telephone # is:XXXX. This collections was deleted from my report when a company called : XXXX XXXX agency was filing for collections on the same debt that the apartment that I was forced to leave because someone tried to break into my bedroom window while I was in the bedroom. I rented the apartment with my daughter. The apartment security gates were always broken leaving the complex available to all kinds of undesireables free access. I filed a police report, # : XXXX. Now this different Collections agency as named above is trying to collect through Experian We also felt really insecure in the apartment, and were afraid for our lives!
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/year> A representative named XXXX from XXXX XXXX  came to my home to give me a free quote for a new roof. He quoted a cost of {$47000.00} and said that he wanted to do a soft pull on my credit to see if I qualified and that I would have 3 days to opt out if I did not want to take advantage of the offer. After he left I did some research on the company and after reading several poor revues decided to shop around, so I contacted XXXX the following day to tell him and he replies that the materials and crew have already been ordered and paid for so he is willing to cut the price by {$4000.00}. Again I told him no. Then he counters with {$27000.00}. Again NO! 
A week later I receive a credit card in the mail issued by XXXX Bank with my name AND XXXX XXXX on the front of the card. I then checked my credit report and found that XXXX did 3 hard pulls on my credit until he found an amount that would be accepted, the limit on this card is for {$22000.00}. 
I've tried but to no avail. I've contacted the credit bureaus to have this removed and was told that your agency is my starting point. 
XXXX 's ethics are fraudulent and he needs to be punished to the full extent of the law. 
All of my subsequent communications after my initial meeting with XXXX were via text messages so I have written proof of my allegations.
Consumer complaint received 2024-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear Transunion, I am contacting you regarding my credit report, in which you reported inaccurate information. The date opened for this account is incorrect; according to XXXX, the open date for this account is XX/XX/year>. Transunion is showing an open date of XX/XX/year> and XXXX is showing an open date of XX/XX/year>. I request that you verify this information and remove this erroneous account from my credit file as soon as possible! The item in question is XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX