davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I mailed my dispute letter because I have things on my credit is not mines due to identity theft. I have a police report and letter from XXXX and XXXX XXXX stating that my information has been breached. My letter was mailed XX/XX/2023 with tracking number XXXX with usps. I also gave experian a call at XXXX XX/XX/2023 to discuss why I can not remove addresses I never lived at and accounts that I have on my report that I no nothing about. He stated that he will open an dispute. I have attached a copy of my dispute and yet I keep getting these canned responses from experian saying that my information has been verified but I have never received any information of how the accounts and addresses have been verified. This is causing me to be unable to obtain credit. I have attached communication from XXXX and XXXX XXXX. 

These are the usps tracking numbers for disputes that have been improperly handled and never received a response in the past. 
XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX - Experian XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX Experian XXXX XXXX XXXX XXXX Department XXXX XXXX Experian XXXX XXXX XXXX XXXX Department XXXX - Experian XXXX XXXX XXXX XXXX Department XXXX - XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX - Experian XXXX XXXX XXXX XXXX Department
Consumer complaint received 2016-10-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hatfield Portfolio Group LLC. (LA)

Complaint issued on XX/XX/2016 ( Case number XXXX ) regarding XXXX and XXXX. On XX/XX/2016 two online payments for XX/XX/XXXX and XX/XX/XXXX were cleared from XXXX. XXXX XXXX XXXX XXXX CA XXXX. No phone contact available nor written statement of balance issued. XX/XX/2016 Received phone call from Hatfield Portfolio Group citing file # XXXX, No written correspondence indicating change from XXXX and XXXX. XXXX receives poor rating with XXXX. Please advise.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-03-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 2023-08-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KP ASSET CONSULTING LLC (KY)

Company : KP asset consulting Has called my mother two times in two days and left 2 voicemails with my name in them and saying I have pending claims and if I do not respond they are threatening to show up to my HOME as well as my workplace. 

I do not know what pending claim they are referring to. To my knowledge I have not received any calls or anything by mail from this company. So it is not appropriate at all to be calling my mother and leaving voicemails or threatening to show up to my home.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

XX/XX/year> it says my account has been charged off when I requested to know who I owe my debt to. They sent a letter stating that they are midland credit management and I owe my original debt of XXXX to comenity capital bank and since that date they are no longer reporting my account to the credit reporting bureaus. Since then they have been mailing me letters but since they dropped my debt that I didnt owe to them off my credit I didnt reply to the notices. I recently received a pre-legal notification. Im not sure what the next step was I thought the charge has been dropped because I didnt sign anything with them.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On or around XX/XX/2023 TRANSUNION RETALIATED against me by lowering my credit score another ( XXXX points ) after I submitted a complaint to the CFPB after they ERRONEOUSLY lowered my score by ( XXXX points or more ) earlier this month. In addition, TRANSUNION Is still displaying old, inaccurate information is still showing up on my consumer report, including my NAME. 

UPDATE MY CREDIT SCORE TO ( XXXX ) PLEASE SEE THE ATTACHED LETTER
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc. (CA)

On XX/XX/2023, I received a message/alert on my phone that my credit card was reported stolen and the card was closed. I did not report my card as stolen as it was safely in my wallet and hadn't moved. I called the company same day ( Prosper ) to report the incident as a mistake/error in their system and asked for my card to be reactivated. They said they would and to give it 7-10 days. Nothing happened, my card was still showing closed. I called back weekly, every time I was told they were escalating the issue and they would re-open the card. Nothing happened. XXXX came and went. XXXX I saw that they completely removed the CC from my online portal. It said I had no cards with them. I called again the first week in XXXX and asked what to do to find a solution? They said they would re-issue a new CC and mail it to me in XXXX days. It's XX/XX/XXXX and still no card showing online and nothing came in the mail. I called today and they said no replacement card was ever ordered and I need to process a replacement all over again. It's been almost 2 months with no resolution in sight and I'm at a loss with what to do? I haven't been able to use my credit line and I never did anything wrong. The card was paid off and in good standings. Please help.
Consumer complaint received 2017-03-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP (UT)

I scheduled a payment for {$100.00} on my CC ending XXXX with Key Bank Collections Dept on XX/XX/2017 to bring up the account to current status. soon after that, I got two letters from Key Bank with dates XX/XX/2017 and XX/XX/2017 as a reminder confirming the transaction to be processed XX/XX/2017 with a confirm # given. 

Today, XX/XX/2017, I find that the transaction was correctly processed yesterday and posted today in my checking account from where I agreed the payment be withdrawn. 
Key Bank Collections Dept clearly states " PROCESSING MAY TAKE UP TO TWO BUSINESS DAYS ''. 

MY COMPLAIN IS that I have been harrassed and abussed by Key Bank Collections dept as they have called me AGAIN today XX/XX/2017 at XXXX ( XXXX ) in order to collect the very same amount of {$100.00} that I previously scheduled and FULLY payed yesterday. that is wrong!! and it is totally unfair business. 
It DID NOT matter that I fully met my commitment, but KEYBANK still call me again???, why? I want an explanation for that WRONG AND ABUSIVE COMMUNICATION APPROACH. 
I spoke with call center supervisor XXXX ID # XXXX in XXXX XXXX were call was originated, but she blames the system as they schedule payments but dont care to wait 48 hrs to call again in case the payment was not made. 
I am convinced that the Bank 's collection Dept has this dark and fraudulent strategy to attempt DOUBLING the payment and cash extra from those oblivious clients that may have forgotten at the time of the call that such payment has already been collected. Key Bank Collections Dept. shall have their automated calling system set up to wait 2 business day to call again in the event the scheduled payment did not go through. 

Besides I am feeeling harrased and abused by the Bank, I am feeling completely vulnerable, since I could have forgotten the payment I scheduled 2 weeks in advance and I could have fell in their fraudulent trap to collect a double payment the very same day, That puts me at the risk as a consumer that I may accept to pay in order to avoid more late fees, but I fall in to being short on funds in my acount and being double punished for insufficient funds by my Checking Account bank and by the Key Bank Credit card collections dept. 

I greatly appreciate your valuable help in processing and following on my complain as I am sure that I am not the only victim of such wrong strategy this and other the banks and Credit card companies are creating as a trap to consumers. 

I will be looking forward on your response and for the next step as I have proof documentation of my claim. I will be happy to provided it, along with my personal info. 

Thank you.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

A check was deposited in my account and I was not aware of what company sent the check and the bank kept the funds closed the account, yet still using my personal information, ssn, and ID to housed the funds instead of releasing them to me.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MD)

National Recovery purchased my account from florida hospital back in 2022 which as already removed from my credit report to be placed again on experian and XXXX as well which is illegal.This agency could not properly verify my information.Never had i had a contract or arrangement with this agency the hospital failed to file m claim through carefirst blue cross properly and missed the extension to file again was contacted by insurance and was told on a recorded line that they would properly remove this and they are at fault. therefore wrote off the bill as a right off and sold it to recoup the money.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ORG GC GP BUYER, LLC (DC)

I have been contacted by GC Services Limited Partnership regarding student loan acct # XXXX. They are looking for someone with my same first and last name but this is not my debt. I told them as much twice over the phone and also wrote it on their bill voucher which I mailed back twice. 
In the late 1990s this exact thing happened to me, for a student loan debt for XXXX XXXX XXXX in XXXX XXXX. I never attended this school and have never lived in XXXX California. It took years of effort to clean this mistake off my credit report and I 'm concerned someone new purchased this debt and will do it all over again.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-21
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: WELLS FARGO & COMPANY (VA)

Wells Fargo utilized personal factors ( discriminated because of identity & last name tied to information from 10 years ago ) but company claims it couldn't verify my identity & " decided that they wouldn't allow me to open an account '' both in XXXX, XXXX XXXX & XXXX respectively
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I noticed on my Experian Credit Report that there was an address that I have never lived in. This one address is XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in this address. I don't know this address. I don't know anybody who lives in this house. Please remove it from my credit score.
Consumer complaint received 2017-04-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NH)

three years ago citi mortgage forclosed on my home never giving me any opitions, never tried to work something out, even tried to auction off my house but set the starting price at 3 times the value so everyone walked away. my house is still vacate 3 years latter and I still get letters from citi mortgage about property insurance. citi mortgage has already been paid by FHA so they do not care if the house stays vacate and I lost my home
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.