davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (NY)

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 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX account 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 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 consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

These items are having a negative affect on my credit report and are preventing me from getting a equity loan to consolidate my debt.

thank you for you assistance in these matters.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-11-03
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (MN)

Delete the account XXXX XXXX XXXX from my Credit Report. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 6802b I was never given the option to opt out which is illegal. Also it is my right to receive an explained nondisclosure option and this was never given.
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX fl XXXX XXXX XXXX For years I try to work With one main financial.. I've been paying them for years. my balance seems to be the same. That no matter how much I pay the balance does not seem to go down. I am paying high intrest rate. I use my old car as collateral and they will not even allow me to sell it. I'm paying for insurance on the vehicle, That i'm not even using. Plus I have to pay for registration. 

I spoke to one main financial multiple times to help me. I was given the run around. 

Here 's a little of my back story. In the last few years my wife became ill. She was already hospitalized and in the hospital multiple times this year alone. I started to struggle to pay my Bills, Due to the Overwhelming medical expenses. There was also hours that was missed from work., That cut out parts of our income. There was income loss hours. At this point I need to focus more on my wife And getting her better. I need this company to work with me. To also understand the struggles I am going through. To at least have a heart and understand This situation. I need this company To work with me and not against me.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

The federal Education Department changed my loan servicer from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX because I was placed on the Public Service Loan Forgiveness program. When the COVID forbearance ended in the XXXX XXXX began reporting my loan information to the credit bureaus but then XXXX did too. For both companies it was exactly the same amount so it looked liked my student loans were double what they were at over {$500000.00}. As a result, my debt to income ratio was too high for a home equity loan I applied for in XXXX. At that point I was able to still access my XXXX account online and it showed that my balance was XXXX and the account was closed. After I was rejected for the home equity loan, I tried to long back into my account at XXXX to dispute it with them but they now said my account did not exist even though I was logging in with my Social Security number and my birthday. I tried to call them but the automated phone system said the same thing and would not reroute me to a live person because it could not find my account. Finally I found a general line for XXXX  custome support, but the wait time was 411 minutes long. I opted for a call back and the system said it could be after XXXX before someone called me. They never called. I filed a complaint with XXXX on an email address I found on the XXXX XXXXXXXX page but the response said they were reporting a deliqincy on my account and referred me back to the credit bureaus for that information. The delinquency does not show up on the credit beaureus ' information for my XXXX account. I was also on income based and hardship deferrals throughout my time with them because my payments were impossible to pay while supporting my family of XXXX. All the credit bureaus and the XXXX XXXXXXXX people say I have to talk to XXXX to resolve the issue but I can't log into their online system or phone system because it says I do not exist in their system. The help they have given via email does not address the issue. I am at my wits end. XXXX owns my loans now and is my student loan servicer. 
I am paying my monthly bill with them and very close to forgiveness now. XXXX should not be reporting an open account for me or a balance.
Consumer complaint received 2023-12-22
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 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 NC XXXX The following personal information is incorrect
Consumer complaint received 2023-07-18
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Im writing this to report that I have been suffering a lot of harassment in written communications and a lot of calls from Portfolio Recovery Associates , LLC to collect a debt that might be opened fraudulently. I have never signed a contract or paperwork with this company. I feel very very harassed since Portfolio Recovery Associates , LLC started to called me a lot of since XX/XX/year>. This company started to called me every single day from Monday through Sunday including Holidays. Calling me from 2-3 times a day. When the week was over, they started to called me again from Monday through Sunday at different times. They also called me on XX/XX/XXXX on Mothers Day. They used the spoofing to look that they are calling from a local number from my living area. The unusual thing that I found out about this annoying calls while they are trying to collect a debt is that they called from more than XXXX different numbers including different cities. Also, I received a letter on XX/XX/year> from this company where they are treating me saying that if I do not pay the debt on a certain date they will going to sue me, and that they will ask about a reward, and that I will have to pay for their attorneys fees. Portfolio Recovery Associates , LLC uses abusive, profane, and deceptive and unfair practices while they are trying to collect a debt. This company only cares about money without caring about harassing consumers. I also submitted a dispute about this account on XX/XX/XXXX through XXXX and I still getting calls from this company. Portfolio Recovery Associates , LLC. has violated my consumers rights and they have violated the FCRA and FDCPA laws, and they have committed the crime of harass me. So I demand the complete deletion of the account ( XXXX ) from Portfolio Recovery Associates , LLC that are appearing in my credit file from each of the major credit bureaus. 

Thank you for taking care about this matter.
Consumer complaint received 2023-07-18
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. (FL)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2023-07-18
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. (KS)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I signed up or a XXXX XXXX XXXX credit card from Chase Bank. Part of the offer was a {$300.00} credit against XXXX purchases made in the first XXXX  months. I made XXXX purchses for {$81.00} on XX/XX/2024 and {$130.00} on XX/XX/2024. I received a credit for {$81.00}, but not for the {$130.00}. I called on XX/XX/2024 to inquire why I was not receiving the credit for the {$130.00} charge and was told by the supervisor, XXXX, that they were told to interpret the terms of the {$300.00} bonus as a one-time credit ONLY for the first purchase. He said he would escalate this and also send the terms on the bonus to me. The incident number was XXXX XXXX Someone was supposed to get back to me in XXXX days. No one did. 

I received the letter with the bonus terms on XX/XX/2024 and part of it states : " Earn a statement credit on XXXX purchases up to {$300.00} in spend for the first XXXX  months from account opening ''. NO WHERE DOES IT SAY IT'S FOR A ONE-TIME PURCHASE ONLY I called Chase bank again on XX/XX/2024 to inquire about the escalation and was told they sent out the letter with the terms and the case was closed now.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

Criminal record shows inaccurate information. On XX/XX/2024 I XXXX  XXXX  to a Falsification charge ( XXXX XXXX XXXX  ) and my report is showing the wrong information as XXXX XXXX to a XXXX XXXX of falsification in XXXX  offense-to purchase XXXX, which is inaccurate and needs removed from my report asap.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The above account does not belong to me I am a victim of identity thief Under 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 terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX {$160.00}
Consumer complaint received 2023-12-22
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2019-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (CA)

sent debt validation letter multiple times XX/XX/2019 XX/XX/XXXX XX/XX/2019 final letter sent XX/XX/2019 THEY CALL 10 TIMES A DAY AND ONLY WANT CREDIT CARD NUMBER OR CHECKING ACCOUNT NUMBER FOR PAYMENT WHEN I TRY TO GET MORE INFORMATION ON ACCOUNT THEY HANG UP ON ME. I SENT DEBT VALIDATION LETTER NO RESPONSE BACK. 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 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klima, Peters & Daly, P.A. (MD)

Last year, I was contacted by Klima Peters and Daley, which is a debt collector based in XXXX, MD, about an outstanding credit card bill. Eventually, the debt collector sued me and won a garnishment. When I discovered the garnishment, I called the company and requested a payment plan. The company dismissed the garnishment, agreed to a payment plan, and I paid the entire debt in full. 

I obtained a court order in stating that the debt was satisfied AND a payoff letter from the bill collector. This all happened from XXXX to XX/XX/XXXX. I thought that was the end of it. Debt paid, end of story. 

However, just today ( XX/XX/XXXX ), I discovered that this company issued another garnishment, completely out of the blue, freezing my checking account and making it impossible for me to use the money in my account. 

I called Klima Peters right away. They affirmed that yes, I paid the debt in full and did not owe anything. I asked why they issued garnishment and demanded an immediate dismissal of the garnishment. They first denied all knowledge of it and then claimed it must have been " the court '' that made a mistake. I told them it could only have come from them, from their office, and that they must issue an immediate dismissal. Their response was to become abusive, deny all responsibility and finally say, " We will mail it tomorrow. '' That leaves me waiting for a dismissal that may take days to reach my bank, and in the meantime, I can not use this account, pay my bills, or have access to my money.

This is clearly illegal and fraudulent. I demand an immediate dismissal of this illegal, fraudulent garnishment and a refund of all money taken from my account. I also demand that my bank refuse all garnishments or payment demands originating from this debt collection company.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to bring to your attention an issue regarding the withholding of my credit card rewards by Bank of America. In XXXX, BoA closed my credit card ( ending in XXXX ) citing risk concerns. It is important to note that I have always paid back the full amount on my credit card without delaying a single day for the past XXXX years. Furthermore, I maintained an investment account with BoA, holding assets worth over {$400000.00}. 

Prior to the closure of my account, I had accumulated a total of XXXX rewards points from all my previous card purchases. These rewards points are equivalent to {$1300.00} in cash value ( see screenshot for evidence ). Despite making multiple calls to BoA, requesting the redemption of my rewards, I was informed that they will not process the redemption after the account was closed. It is worth mentioning that BoA has gained notoriety for withholding customers ' credit card rewards and has recently faced a significant fine of {$100.00} XXXX, as reported in this link : https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ Regrettably, it appears that BoA has not made any improvements in this area, and I find myself to be another victim of this practice. Consequently, I kindly request Bank of America to issue a check in the amount of {$1300.00} to compensate for the rewards. 

Please be aware that if necessary, I am prepared to take legal action to seek a resolution to this matter.