davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to bring to your attention that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (MA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX 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 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 2024-08-21
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-07-20
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. (TX)

XXXX XXXX XXXX  pull my credit and I never authorize or done any business with these people. 

Another company did the same thing post inquiry XXXX and XXXX XXXX. I called talked to someone and these companies and also called XXXX they told me they dont take off inquiries these are mine I was removed off my credit.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation (MD)

I called XXXX XXXX  ( operated by XXXX ) after I received an invoice for a missed toll payment on XXXX XXXX. I did not realize that my transponder was not working at the time, so toll charge of {$4.00} was not charged. I called ( XXXX ) and paid this particular toll, then learned that this was actually the second time that I had a missed toll charge. The first missed toll invoice was sent in an invoice back in XXXX, amounting to $ XXXX. I never received this invoice. It was sent to Nationwide Credit Corporation ( XXXX ) for collections. I never received a bill or debt notice from either XXXX XXXX  or Nationwide Credit Corporation about this particular debt. When I called NCC to pay the charge, they told me that the debt is now over $ XXXX, because of their administrative fee. They told me the administrative fee goes up incrementally over time, now amounting to {$120.00}. If I had known about the bill, or even the debt, I would have addressed it sooner.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital One sent me a card and it was a credit limit of {$300.00}! When I tried to use it, it declined. I called the company and asked why and the representative said, because I didn't meet their standards! How didn't I meet their standards, but they sent me a Capital One credit card! They got over on me and I will reach out to the attorney general, due to my credit being ran, deception and discrimination. I can not be denied credit due to the law. I even sent a Adverse Action, letter according to the law! And I still was denied credit. According to the law, Adverse Action 15 USC 1681 ( d ) ( 6 ) - is the law that they need to read. It is ILLEGAL TO BE DENIED, BUT yet.. they ran my credit... and was still denied! This is a LAW THAT WAS BROKEN! AND CAPTIAL ONE Frauded and discriminated against me, because I was an applicant. Therefore, banks are required by LAW TO provide funding! The have revoked my rights as a citizen and have broke the law! These acts have cause defamation of character and denial of credit! These are some of the damages that Capital One has done! That said, actual damages to my credit report has cause serious issues to my livelihood, because of their negligent which is a violation! These issues are under the FCRA and ought to be handled accordingly. I was basically discrimination against, 15 USC Code 1691 ( a ). It shall be unlawful for any creditor to discriminate against any applicant, with respect to any ASPECT OF CREDIT TRANSACTION.

IN ADDITION, ACCORDING TO THE LAW ... 1002.4 GENERAL RULES.

Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding ANY aspect of a credit transaction. The Law speaks of creditworthiness, administration of accounts, and treatment of delinquent or slow accounts. 

This should also be taken up with the Attorney General and the FTC and Banking Institution, because Capital One is operating in FRAUD!
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (FL)

Hello CFPB, Last XXXX  on the XXXX of this month, I sent out an affidavit to Spire Recovery Solutions to notify them that they had violated me. This is all the information I provided them in regards to the violations, along with an invoice for compensation [ {$43000.00} ] & all of the US Codes they violated. 

XXXX : Emailed at XXXX on : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Spire Recovery Solutions tried to contact me through 8 emails over an alleged debt. They are not allowed to contact me, but continued to VIOLATE. 

Phone calls made to my number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Spire Recovery Solutions tried to contact me through multiple phone calls with voicemails included and they also contacted my father, knowing that these are all VIOLATIONS. 
Sidenote : They contacted my father, but I do not have the info for that call. But Spire Recovery Solutions did in FACT contact my father sometime last month by XXXX. 
Multiple numbers were used deceptively in trying to contact me, while harassing me, RELENTLESSLY, at inconvenient times without my consent. 

Different deceptive numbers used trying to contact me with voicemails : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Text messages from Spire Recovery Solutions : XXXX XXXX XXXX XXXX Spire Recovery Solutions texted from XXXX before using deceptive names. 

XXXX XXXX XXXX XXXX Spire Recovery Solutions texted from XXXX before using deceptive names. 

XXXX XXXX XXXX XXXX XXXX deceptively texted me asking if they had the right number. Text from XXXX. 

XXXX XXXX XXXX XXXX XXXX deceptively texted me asking if they had the right number. Texted from XXXX. 


This is how I culminated the affidavit : ALL U.S. CODES BELOW MADE BY CONGRESS PROVE MY FACTS. 
If you have a problem with these codes that protects me ( the consumer ), then happily HARASS congress. 
You have 30 calendar days to pay the invoice Im sending for each violation. {$1000.00} per violation. 
Also, delete this account and stop all communication / collection activities regarding this account.
Consumer complaint received 2022-11-10
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. (AL)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXXXXXX Balanceed Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NE)

I set up all my bills on autopayments. Whether they are bills that need to be paid in full each month or bills that payments are to be made and I keep track of those on a spreadsheet that has the balances and the dates that promo rates expire so that I can be sure to pay those balances off in time. 
On my XXXX Synchrony Bank Mattress Firm statement I saw that my promo balance of {$120.00} was going to expire on XX/XX/XXXX. The auto payment on this account is {$100.00}. So i made an additional payment early on XX/XX/XXXX ( {$25.00} ) so that when the auto pay on XX/XX/XXXX happened it would pay off that balance. I didn't think anything of it since I felt I was on top of it and just checked in on this account today and was shocked to see that the XX/XX/XXXX payment was only made for {$78.00} and I had been charged the entire deferred interest of {$420.00}. 
I immediately contacted Synchrony and the agent couldn't help me so I escalated to a manager by the name of XXXX ( ID XXXX ) and was informed by her that there was nothing they could do to reverse the deferred interest since I didn't pay it off in time. I explained that if they look at my history and the amounts that I paid and the extra amount I paid in XXXX that they could tell that my intent was to have that paid off. I asked why in the world would I leave it a little short when I was going to have to pay deferred interest? 
Her explanation was that part of the payment was going to the other promo rate that I had on there that doesn't expire until XXXX. So that left me short. My reply was that no where does it break down what part of each months payment go to different balances. It shows the total of the previous amount paid. I thought this was supposed to be the practice of all credit cards is that payments made go to the balance with the highest rate or with the nearest expiring rate? 
She explained there is nothing she could do because I agreed to pay the balance before the promo expired or else I'd be charged interest. I feel the way payments were applied and the way the balance to pay off is presented is very deceptive. It should be explicit on the statement which part of each payment goes to which balance versus a lump payment amount. It should also explain that if you make additional payments in a month that it impacts your auto payment. No where did it come out and say that the auto pay amount would change. The numbers add up as to what my intent was. She ultimately said there was nothing she could do.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AR)

On  XXXX   XXXX ,    2017, I pu rchase d 2 American Express gift c ards for {$25.00} each. I was aware that bank gift cards usually have a fee attached to them but the packaging of the gift card clearly spelled out " no fee charged. '' The next day I looked at the receipt I had for the Gift cards that were purchased at our local  XXXX  store and noticed a n Am E x fee of {$3.00} charged per card. I called  American Express  customer contact number and told the company rep the problem. He informed me that the charge was for the plastic card itself and not a fee. My complaint is that the price for the card is not clearly stated on the packaging as is the clearly stated " no fee charge. '' I feel this to be a deceptive practice. Prices of any product you wish to purchase are clearly stated on the product 's packaging.   I as an average consumer was not properly informed about the true cost of the product I purchased. It is fine with me  if American Express is going to c harge for the plastic but let me know clearly up front so I am aware of the cost.
Consumer complaint received 2023-10-11
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TN)

A few months ago I was being harassed by XXXX XXXX at Ed financial. They have picked up harassing me again.

After last time was pulling teeth with the company to do anything I'd like to see more action taken by them this time
Consumer complaint received 2022-11-10
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. (CA)

The following companies are reporting fraudulently opened accounts under my name and are tarnishing my credit report. The first account is XXXX XXXX XXXX which was opened fraudulently on XX/XX/XXXX. The Second fraudulently opened account is XXXX  XXXX  opened on XX/XX/XXXX and the third fraudulent account opened without my consent or permission is XXXX XXXX XXXX opened on XX/XX/XXXX.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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 2024-10-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX  XXXX XXXX XXXX has provided fraudulent photos and info to a collection agency. The apartment sewage system was backed up so my apartment was flooded and they tried to submit a claim to the insurance company and coerce me to say that it was a toy in the toilet, which I refused to lie. I moved out XX/XX/XXXX the day my lease was up and they put on the report that I skipped the eviction process on XX/XX/XXXX, which I returned the key to the manager and let her know on XX/XX/XXXX that I was leaving. She then tried to convince me again to lie to the insurance company because they had to redo the whole apartment, cut the bottom of the walls so it wouldnt rot, pulled the tiles up and replaced the carpet in the rooms. Then in retaliation they added false charges and pictures that did not come from my apartment. When I asked for proof of timestamps or proof that the pictures were taken in my apartment, the guy in corporate said all they can do is go by when the pictures was sent to the credit bureau, and that since its been XXXX  years they cant provide me any concrete proof. I take full accountability for the owed rent, but the pictures are fraud and the other charges are fraudulent.
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (TX)

My credit report was flagged from the company named " Zions Debt Holdings LLC '' I was never sent any information from this agency via email, mail, or phone. I discovered this from the credit report. I am the victim of identity theft and this debt is a result of fraud. This debt is in not in my name. The debt is in the name of " XXXX XXXX '' My name is " XXXX XXXX XXXX '' I am the sole owner of the social security number " XXXX '' I have never went by any other name, nor have I ever changed my name. I called Zions Debt Holdings LLC who confirmed the debt/collection was under the name " XXXX XXXX XXXX not " XXXX XXXX XXXX XXXX XXXX I informed them that the debt was not mine, and the debt was made under fraudulent premise using my social security number. I also informed them that I never had an account with the original consumer " XXXX ''. I also informed them that they were the XXXX collection agency trying to collect for a fraudulent debt. I have reached out to all XXXX credit agencies and added a fraud alert on my credit report. I have also uploaded a copy of my drivers license and social security card for verification. Zions Debt Holdings was not interested in resolving this issue and was dismissive.