davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act CREDIT BUREAU ACCOUNT NAME & # has violated my rights on DATE ACCOUNT OPENED for BALANCE OWED. 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 instruction so therefore I need these accounts removed immediately.
Consumer complaint received 2023-08-04
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC. (VA)

Dynamic Recovery repeatedly called my home. NEVER did they state who they were trying to reach. Dynamic stated that they were a debt collector and to call a number. 
When I finally called the number I asked why they did not address who they were trying to reach, and I was told it was " legal '' and when I pressed the issue, I was hung up on. 
I called immediately back and spoke to person identified as XXXX XXXX. I stated that I was hung up on, and if he did so I would file a complaint. In our short conversation, when I gave him the phone number, which I consider private information, he stated that the call was for a " XXXX XXXX ''. I have had this number for 10 years. I do not know XXXX XXXX. I stated this fact, and asked him why Dynamic could not simply state who they were calling for. He became rude and defensive, talking over me, stating that this number has been " removed ''. When I asked him why MY TIME was wasted calling, for no good reason, he hung up on me.
Consumer complaint received 2023-07-19
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: Bridgecrest Acceptance Corporation (PA)

To whom it may concern, I've never given XXXX/XXXX  my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 

15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer Please provide any documentation with my written consent allowing XXXX to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

My name is XXXX XXXX and I reside I. XXXX Virginia. I'm a XXXX XXXX XXXX senior citizen and I'm XXXX and have been since XXXX of XXXX. I receive my income from Social Security XXXX. I found some unusual charges from my checking account. So I invested my account and found out that some one was stealing XXXX 's of dollars from my checking account using my debit card that was saved on XXXX XXXX account. So I started my own investigation I to the unauthorized charges found on my bank statements and I found them recorded on my online banking account. I bank with Chime and have been with them since XXXX. I've never experienced this kind of fraud in all my years of banking. I reported all the unauthorized charges posted to my checking account immediately. I was informed that I needed to file a dispute immediately. So I filed a dispute with the bank. I also notified the merchant of all the u authorized charges posted to my XXXX XXXX Account that is recorded in my activity on my XXXX Account. XXXX did an investigation and they informed me that they only allow a customer to be refunded if unauthorized charges were made in my XXXX account. Their policy states that they only allow a customer to be refunded unauthorized charges made on your account. XXXX only refunded me XXXX for unauthorized charges in my account. Do I called my bank Chime and informed them that the merchant that was involved in the unauthorized charges refunded me XXXX XXXX that was what they were linked to refund. So I ask the customer service technician what was their policy of recovering charges made on my account that were unauthorized by me. I was informed that I have to file a dispute immediately do that they could conduct their investigation I to the unauthorized charges. I was then I formed that their investigation would take 7 to 10 days to be completed. I received their results by email. Their finding was that they found no suspicious activity in my checking account. I immediately called my back to inform them that I disagreed with their results and ask to file an appeal so that they would start another investigation I to the unauthorized charges made to my checking account. I received s email from Chime Bank 1week after I requested so appeal be performed. Again the results of the investigation was that they denied my appeal and that I was eligible to receive all documents used in their investigation I to my u authorized charges. They told me they had 10 business days to supply me with the documents. Well it's been 1 month since I was told to expect the copies of the documents 10 days. I've ran out of ideas to see how I could get reimbursed for the authorize charges. I ask my attorney what I should do about my bank that denied my appeal and was told to file a complaint. Well thank you for reading my messy and I hope to get a response from your company with good news. Thank you XXXX XXXX
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (PA)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2016-02-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc. (PA)

First Recovery assoc keep calling with a different claim number every time they call with an XXXX number to call back they wont give me any information and ask to verify my last XXXX digits of my SS Its not me and I ca n't get them to stop calling
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CO)

My name is XXXX XXXX I was thinking this time and my son wrote a negative letter to the bank and they closed my account for it which I told he understand but since they close by account they told me that it would take anywhere from 3 to 5 business days for them to send me the balance in my account when they close my account they sent me for the balance of my account was a bad check so it wouldn't cash so I called him back again and I told him that your check was bad and they said that they would expedite me another check so I can have it down to my account since my account was closed well since then I've had no contact with time and they keep sending me letters saying that I'm if I keep sending them negative letters time at all I have no contact with them they close my account I have no reason to talk to him so I haven't talked to him so I don't know where they're coming up with the negative letters whatever I've been waiting over a month for my check now you know and they're still not sending me my money in my account my account 's been closed for over a month but they won't send me my money they can send me the emails we'll close your accounts already closed it's been close for a month and I'm waiting for them to send me my money all my money. I actually put down the wrong phone number it's XXXX that's my phone number the phone number I have listed on here was incorrect but that's that's my correct number now XXXX that's my current number
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (FL)

This medical debt is from Charter Communications XXXX XXXX XXXX XXXX, CBE Group is the collections unit. I had to move during the recession of 2022 XXXX a couple days fast when I had covid back to my hometown and return their equipment. I did that, but they did not take their XXXX XXXX back. They said it had been rented and now it was mine to have to pay. They also said that they do not cover coverage as a Mobile Wireless carrier for XXXX  for the Phone I had from them to the area where I moved to in XXXX. I had no job, no income other than XXXX Social Security XXXX, and was highly upset they could not work with me via XXXX  side of things and repeatedly harassed and called me to pay them when I have asked them to remove me from contact. They have no right while I am not working to collect on any bill just by trying to use my only low income source of Social Security XXXX.
Consumer complaint received 2023-07-19
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. (KY)

Equifax refuses to remove, or even properly investigate, an inquiry on my credit report from XXXX XXXX. Even the company that put it on there has admitted that they incorrectly put it on my credit report.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the victim of an unlawful foreclosure by Bank of America. I filed a filed a lawsuit but could not afford to keep fighting with Bank of America and their team of lawyers. I was evicted from my home, and lost not only the house - but my life savings. I am XXXX from a XXXX and have struggling to survive. I have still not recovered from losing my house and have been renting rooms since then. 
The foreclosure happened in XX/XX/XXXX. How can I file an appeal to be included in the compensation? Surely a foreclosure in XX/XX/XXXX is as devastating as any in XX/XX/XXXX. 
Please help me in any way that you can. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-19
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)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$500.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes this account information Settlement accepted on this account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

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

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2016-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Bronstein & Weiss Arbitration (DC)

The law firm of Bronstein and Weiss have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.
Consumer complaint received 2023-07-19
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. (AR)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$690.00} ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) XX/XX/XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX.
Consumer complaint received 2024-08-10
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (IL)

Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent XXXX XXXX XXXX a debt validation letter certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for only an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me and they dont have anything with proof with my signature on it. Then I received a letter stating the collection was sold to Mandarich Law Group. I then send a debt validation letter certified mail on XX/XX/2023 with a return receipt and they also refused to send me any documents with proof of my signature on it. On XX/XX/2023 around XXXX a random guy gives my XXXX a summoned to court for me. I was never notified of a lawsuit against me for a debt they failed to send me validation for without proof. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.