davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This company is very harassing. They call repeatedly. Very childish and unprofessional. They call early morning or late night, and will hang up on you and call right back like they are a child playing a prank. 

I have asked to be not called repeatedly. Today they FORCED me to give other personal information just to get my phone number removed from their call list. 

Very unprofessional and not at all American. 

When I say get your robo- calls to stop calling me I mean it. 

Portfolio Recovery ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just some of the numbers used to call me this month. They call multiple times, will hang up, then call my other number that forwards to the same phone number.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 Items 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 items : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXXXXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX CAR XXXX XXXX XXXX {$130.00} ; XXXX  XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2020-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

There is a medical collection debt on my credit from a Commonwealth Financial that does not belong to me. I have disputed with all three credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me. I have not went to this emergency room that they are claiming and I have never received anything about this debt from the original creditor. Also this would be a violation of Hippa to share any information if it were mine with this creditor. Please delete this immediately.
Consumer complaint received 2023-09-26
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. (FL)

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2020-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (OH)

On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX collecting a debt of XXXX XXXX XXXX dollars. After reading this letter, I called their number to find out that I have not made a payment on a Victoria Secret transaction. I was unaware of this charge since I never received a bill in the mail. 
I then called Victoria Secrets customer care line. I talked to XXXX, who told me that I had made this transaction on XX/XX/XXXX of XXXX dollars. I asked him to inform me where this bill was being sent. He said that he was not authorized to tell me that information. However, he did tell me that the address that I provide him was not the same address they had on file. 
After ending the call with XXXX, I called XXXX XXXX XXXX to talk to XXXX XXXX. I asked him how they were able to send me this debt collection to the correct address when Victoria Secrets had been sending the bill to the incorrect address for seven months. 
Victoria Secrets had not been sending the bill to the correct address, they had not tried to reach out to me via phone number that has not changed. If they were to send me a bill to the correct address or tried to reach out to me in any way I would have made the payment in full like I do all of my other bills. 
By sending this complaint to you I am hoping we can resolve this issue in a reasonable matter.
Consumer complaint received 2023-09-26
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. (VA)

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 2023-09-26
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: CLGF Holdco 1, LLC (HI)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXs customer service representative.
Consumer complaint received 2020-05-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (WI)

On Friday XX/XX/2020 at approximately XXXX, I had left my 2 way radio at the bank worth close to {$500.00} to establish a safe deposit box. 

I was told the bank was closing, so just left it there to resolve the issue in the morning. 

I noticed a man outside the bank on his cellular phone wearing a black suit. 

I had reported the man to the bank corporate office for releasing personal information outside the bank. 

I returned to the Bank on Saturday XX/XX/2020 and the female teller indicated that my personal information was released to the Sheriffs Department and my two way radio was given to them. 

I was asked why I had wanted a safe deposit box, and I had indicated because my Grandfather used to Bank at the Bank years ago. I was only aware that this location had a Safe Deposit Box. 

I did not give anyone permission to release my property, nor personal identifiable information to the public. 

I had asked the teller if she could get it back from law enforcement for me, but she refused to help. 

I asked for the managers card. 

The managers card indicates his name is XXXX XXXX with a NMLS : XXXX I am very concerned that this bank may be releasing information about other wearily families like mine to the public. Especially if this Bank is outside the bank talking on a cellular phone and showing property that is supposed to be in a safe deposit box. 

I know a guy named XXXX XXXX who is a XXXX XXXX and he has an account at this bank too. 

It would be good to find out if us wealthy people are getting our accounts compromised by this Bank, because this bank even lets people open accounts, that do drug activities. 

I ask that you please inform this bank on all the laws a financial institution is supposed to follow and get my equipment back to me, instead of compelling me to go to the Sheriffs department myself. 

This is completely incompetence and illegal on the banks behalf. Whoever is responsible for this branch should be terminated for these types of practices.
Consumer complaint received 2023-09-26
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. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : # collection bureau of a 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 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 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have cancelled my spirit airlines credit card twice in the last year and thought it was officially closed the second time I contacted them. They have their card through Bank of America and this year I find that I was once again charged a yearly card fee. Contacted them AGAIN to state this account was already closed and they left it open. I have disputed it two more times and they finally closed the account on their end on XX/XX/20 but have left a {$62.00} balance on there while also reporting this to my credit report which has now caused my score to drop almost 100 points! 

I have also reported them to the XXXX  and found out I am not the only customer to have had this issue with them. I should not have to pay for a mistake on their part, which was not closing the acct on their end the first two times I cancelled it. On top of that they have messed up my credit score going from about XXXX to XXXX-XXXX
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have cancelled my spirit airlines credit card twice in the last year and thought it was officially closed the second time I contacted them. They have their card through Bank of America and this year I find that I was once again charged a yearly card fee. Contacted them AGAIN to state this account was already closed and they left it open. I have disputed it two more times and they finally closed the account on their end on XX/XX/20 but have left a {$62.00} balance on there while also reporting this to my credit report which has now caused my score to drop almost 100 points! 

I have also reported them to the XXXX  and found out I am not the only customer to have had this issue with them. I should not have to pay for a mistake on their part, which was not closing the acct on their end the first two times I cancelled it. On top of that they have messed up my credit score going from about XXXX to XXXX
Consumer complaint received 2020-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MI)

I was checking my credit report and their was a negative item from a security credit services which purchased the debt from a company called XXXX XXXX. I have never applied for credit with either of these companies the debt is not mine they state that a payment was made XX/XX/XXXX I can submit my bank statement for that month to prove that was not  me furthermore I was not sent any bills or contacted by either company at any given time.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was trying to get a free credit report from TransUnion and they charged me XXXX for a membership that I did not sign up for. A free credit report is all that was advertised.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES (TX)

I am a victim of fraud and mail theft. XXXX alleges I have an outstanding charged off account that was opened in XX/XX/XXXX. They referred this account to Zwicker and Associates P.C. which is a law firm that specializes in debt collection. This law firm filed suit and a deputy from my local sheriff 's department delivered a Writ of Execution to my home in XX/XX/XXXX. XX/XX/XXXX is the first I have heard of this charged off account opened by a fraudster in XX/XX/XXXX. I have an active account with XXXX in good standing that I opened in XXXX. I have no knowledge of any account with XXXX opened XX/XX/XXXX. I promptly contacted XXXX by phone and after being passed around to several representatives I was directed to their Customer Protection Security Department XXXX. The representative that assisted me in that department conducted an investigation and deemed the account from XX/XX/XXXX as fraud and updated my file ( screenshot to be attached ) to reflect that I have been a XXXX customer since XXXX and not XXXX. I'm not sure why XXXX  and Zwicker want to conduct an additional investigation when I was already told by phone that this was fraud and I am not liable for this account. I would like this reinvestigated and I would like the CFPB to be provided with the recorded calls to XXXX on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX where I was advised the account was deemed fraud and my file was updated.
Consumer complaint received 2023-09-26
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. (CA)

My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-09-26
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. (NJ)

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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-11-21
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. (VA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (TN)

The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information.

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.