davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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/2023 I stated I noticed a fraud account and the credit bureas n XXXX XXXX claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!! 
RESPONSE DISPUTE 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 results 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 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-13
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. (AZ)

In accordance with the Fair Credit Reporting Act : XXXX XXXX, Acct XXXX XXXX, Acct XXXXXXXX XXXX XXXX XXXX  has violated my rights to privacy. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (NY)

This evening, I was disheartened to find unauthorized inquiries on my credit report. I have no idea why they're there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I'm deeply frustrated by this and request that the documents I submitted be thoroughly reviewed to prevent any future issues and ease my concerns.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

XXXX, Equifax and XXXX have not been doing thorough investigations of information on my credit reports. I have asked for signed documents stating I agreed to a contract to owe debt to XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and never received any info, however the information is steadily reported as accurate!
Consumer complaint received 2024-08-12
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. (WI)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

dear Consumer Financial Protection Bureau : The debt collector TSI has incorrectly placed a {$2300.00} with XXXX XXXX on my credit report. 

1. I was never notified of the debt, and it was placed on my credit report without due process. Attempted to have Transworld send confirmation of notification, no response. 
2. Transworld Systems has inaccurately reported a delinquent information 3. The information submitted to the credit bureaus is inaccurate. 
4. Transworld has improperly and deceitfully caused my credit report to be severely damaged. 
5. I have attempted to request Transworld Systems to provide information on how to remove the damage and verification of the debt of {$2300.00} 6. Requested from XXXX to verify the inaccuracy of the debt and to provide sufficient evidence.
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (PA)

I have five hard inquiries that I would like removed from my report that still seems to appear on my credit report that inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amex card, XX/XX/XXXX Also I have misspelling in my name in my personal information settings, and misspelling in my address also along with additional wording on to my name or address areas of the information provided for me that are incorrect. 
Also I had a card that recently closed that I am unaware of why it closed, XXXX XXXX card which impact my credit report as well as far as my credit age. 

Also it seems to me that most institutions such as XXXX XXXX and XXXX XXXX  have late updates as far as payment history and other reported updates and I've been having problems with my XXXX XXXX cards not being up to date with the payments as well so the reports are being updated pretty much late.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (GA)

n accordance with the Fair Credit Reporting act Credit Management LP 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 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

National Recovery Agency ( XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX ( XXXX ) has repeatedly contacted me for a debt that is not mine, i have requested by phone and by written letter to prove that this is my obligation. The company refuses to acknowledge that i am the owner of the debt and have yet to bear any information to the case. I have requested more than once to cease communications and have sent a Cease and desist letter as well. I Still am contacted daily either through calls or texts.
Consumer complaint received 2022-06-06
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: WELLS FARGO & COMPANY (CT)

Paid scam collection agency two installments ( XX/XX/XXXX and XX/XX/XXXX ) after they contacted son via email on XX/XX/XXXX and threatened to report him to XXXX XXXX over previous alleged debt balance owed Wells Fargo, which he believes was already paid, but the debt was so old he can't remember. Original debt was also mostly bank fees and a fraction of what is demanded by debt collector. This company was hostile and threatened legal action unless monies were paid right away. Contacted original bank and they have no record of account or social.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (NY)

I initiated a transfer of funds from an XXXX account held by Optum XXXX on XX/XX/22. I filled out a transfer form on XXXX 's web site to make the transfer, and updates on the XXXX site indicated the transfer was in process and should be completed by XX/XX/22. 

I called XXXX on XX/XX/22 to ask why the transfer wasn't complete, they had no information, had not done any follow up with Optum, and told me I had to call them. So this is complaint XXXX - their website implies they will handle the transfer, but there is no follow up. 

I called Optum on XX/XX/22, they had no available record of the transfer request and said they will " investigate '', but warned me it can take 6 weeks to transfer the account. I'm guessing they're not sending rolls of coins on horseback to XXXX, this is a ridiculous amount of time to transfer an account, while charging me monthly fees. So complaint 2 is why Optum doesn't have record of a transfer request and why it will take 6 weeks to do an electronic transfer.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

Dear Sir/Madam, Ive been a premier checking account customer of Bank of the West ( BOTW ) since XX/XX/XXXX. On XX/XX/XXXX, Ive received a notification letter ( dated XX/XX/XXXX ) from BOTW informing me that my account ( XXXX ) will be closed on XX/XX/XXXX ( transactions to/from the account will be suspended from XX/XX/XXXX ). The only reasoning that BOTM provided for cancellation of my account is that BOTW is exercising its right as stated in the letter we may close your Account at any time, with or without cause.! I followed up with BOTW branch as well as their customer service team and they couldnt provide any further details. Being a customer of BOTW, Ive never violated any of contract policy or have any dispute with them.

The fact that a regulated bank like BOTW can suddenly deny service to a customer without any proper cause and the lack of transparency in the whole process goes against the spirit of providing reliable financial service. The timing of the letter and short notice of service cancellation have caused severe stress in my side. How come an approved financial institute can act as if its operating a cartel and have ultimate authority to decide on whom/how/when to provide service to common people? In my opinion, this is an utter discrimination against a customer from visible minority. I request your office to investigate this incident and take necessary actions against BOTW so that no such incident occurs to another customer in future. Please let me know if you need any additional information. 

Best regards,
Consumer complaint received 2023-05-22
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-11-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Mobiloans, LLC (TX)

To ( XXXX ) XXXX XXXXXXXXXXXX XXXX/XXXX/2015 at XXXX XXXXThank you for your patience and assistance. 

Per supervisor XXXX in account services, the XXXX executive I spoke with hung up on the customer after she provided XXXX different telephone numbers twice ; the Mobiloans male executive violated FDCPA and FTC protection rights of one of Mobiloans ' loyal customers. The previous email is a foward from Mobiloans customer service department including the voided check the supervisor asked the customer today at XXXX XXXX central time to resend to the Mobiloans account services department for account number XXXX regarding the new banking information being submitted on XXXX XXXX, 2015. 

Per supervisor XXXX the system has not updated the checking account information via voided check and authorization form sent from XXXX XXXX, 2015 - XXXX XXXX, 2015. Per supervisor the system was unable to take payments customer scheduled and that the system deleted both payments set up online for XXXX/XXXX/15 and XXXX/XXXX/15 due to this system error. Per supervisor any and all late fees will be removed due to this issue and the phone collection calls being a result of a system error. Per supervisor any delay of the update of the new bank account information sent in beginning XXXX XXXX, 2015 to XXXX XXXX, 2015 will be corrected in the system for account number XXXX within 24-48 hours per recording. The customer will be scheduled to pay only the minimum balance on the next due date of XXXX/XXXX/2015 per current online account. 

Per supervisor XXXX, customer support will be contacted to recorrect point system to show customer as an on time paying customer and restore stolen loyal customer discount credits voided during company system error. 

Thank youAccount Number XXXX
Consumer complaint received 2024-07-18
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Niagara Credit Recovery (CO)

I obtain a XXXX XXXX from XXXX XXXX XXXX, making my monthly payments on time, even got an increase of credit. Well in late XX/XX/XXXX i received notice the current credit card was being transferred to a XXXX card and they will send notice when the new card has been sent out. I continued to make my monthly payment on time, during the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX i called XXXX in concern because i had not received the new card, i was told due to the Holidays the delivery of the card maybe delayed XXXX XX/XX/XXXX XXXX. When i spoke to the individual in XXXX, i could not make any payments as the account showed the balance as zero, i called in again to make the payment and they wanted to charge me a phone fee, so i we went back in front on how i do n't see as a customer who has n't received the new card to set-up the online account to make a payment should pay a phone fee. The individual got rude so i hung up. No communication from this company but today i receive a voice mail from a male stating he was on his way to my home and if i was n't in he would be traveling to my place of employment to serve me papers. He left a number and a case # but no information as to what this was in regards to. I called the number left XXXX XXXX XXXX, the gentlemen who i spoke with stated they were suing me for {$1900.00} on a so called {$580.00} balance ( which the balance should have been around {$350.00} from the last time i made a payment ) stated, XXXX had written off and sold the account to them. I have never received any communication from XXXX or this collections company so how can they immediately sue for something that XXXX was negligent in not providing the new card or account information for me to continue to make payments? Please review and help on this matter.
Consumer complaint received 2024-07-18
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. (IL)

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to communication in connection with debt collection under 15 USC 1692c. 

XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1962c ( A ) ( 1 ) states ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1. ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; 15 U.S.C 1962c ( C ) ( 1 ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Riverwalk Financial CORPORATION (MA)

Complaint against ; Riverwalk Debt Solutions XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX AND XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX REFERENCE # : XXXX TOTAL BALANCE : {$680.00} Dear Sir/Madam, I had a student loan in default and Riverwalk Debt Solutions contacted me that they could help me refinance it. I agreed and the terms were that I pay a monthly fee of about {$120.00} for a period of nine months and they would help me pay a minimal fee which was income-based. I made about XXXX payments and could n't afford it anymore because I was n't working. During the remaining months, I received no correspondence from them afterwards and the loan refinance was never started. A couple of months later, XXXX decided to help me refinance, which they were able to and I stuck with them. 
Now I have a bill from XXXX XXXX XXXX that I still owe Riverwalk Debt Solutions for the remaining months that I did n't pay before they started. Their argument is that even though they were not able to help me refinance my student, I still owe them because it was a contract. I feel scammed now and would need some form of assistance about how to deal with it. 
Thanks and looking forward to hearing from your office. 
Yours truly,