davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NV)

I had issues at an apartment where I lived. I have rented for 30 years and have never moved out where I have been taken to collections. In fact, I had lived at the same complex before and had my deposit returned before. This time, I had the bad experience where the apartment next to mine flooded into my apartment and I complained to the upper management about it and asked to have the carpets replaced, they did not do anything about it. Instead, they made me the scapegoat and tried to charge me at move out for the mistake that their maintenance people made when they failed to stop the flooding next door. The apartment was very clean when I moved out and was even done by a person who cleans professionally. I have pictures from the move out as well. In regard to the water bill, the water part was broken and I have pictures of it leaking all over the parking lot. I paid hundreds of dollars in water bills to them altogether which was ridiculous. I feel that I was overcharged for the water to begin with. Also, my apartment was broken into which is why the lock had to be changed since their maintenance men were refusing to do repairs at the end. I told them that the apartment was in very good condition and they said I should have done a walk through and I told them that XXXX XXXX refused to do one and they belittled me and disputed this. They made false allegations against me and made comments that were false. I received harassing calls and when I asked to speak with managers, I was told that they were the higher ups. I feel that they were in violation of the FDCPA and the FCRA due to the facts that they would not validate the debt in the beginning and just reported me and would not let me dispute the debt and kept calling and harassing me after I told them not to call me and after I told them I was speaking to attorneys. Also, I was in Nevada and they were calling me from Washington in the beginning. They also gave me bogus contact information. I have been turned down by three apartments already due to bad references by XXXX XXXX ( XXXX XXXX ) Apartments in XXXX Nevada and now they are reporting this on the credit bureau. I feel that this is in retaliation for filing with HUD in the past as well and other state and federal agencies on them as well as Resident IQ data International. Also, my mail was getting stolen from the complex and I had to file with the postal service about this issue. Resident IQ data harassed me over this as well.
Consumer complaint received 2023-05-30
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. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX ( Original Creditor : XXXX XXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-25
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. (SC)

I noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and two kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. XXXX credit report got worse. I have over XXXX inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX  children. Im getting medical bills out of no where fake guarantors numbers, data breaches from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  file number XXXX, XXXX XXXX, and XXXX is showing up differently over 50 times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, victimized of human trackifficking then, my kids medical information compromised, EQUIFAX already repetitively getting data breaches from them shows : intersections, EQUIFAX XXXX XXXXXXXX XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXXXXXX XXXX WITH MULTILOLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX all FRAUD NOT DONE BY ME OR ISNT MINE ALL EQUIFAX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO EQUIFAX XXXX XXXX the last 2 years. XXXX wont give me access to my credit report with the correct information, there is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLinked to compromised former business XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Associated Credit Services, Inc. (PA)

I was wrongfully a victim of identity theft had a bill put in my name by someone trying to be me I told them it wasnt mine an they said well we cant do anything about it because they use your name and Social Security number at the time I was sleeping on the floor at my husbands grandmothers house, so I was very confused because I only lived in XXXX XXXX in XXXX XXXX at the time I got sent this I contacted them and they told me If you dont pay it, were gon na destroy your credit. They said was they had your Social Security number and your name they cant do anything about it. And when I contacted them, they said it was for an address of a home ( house in XXXX area ) which Ive never lived in that area .I even told them that it was a legit home that I couldnt afford a home that Ive been renting or sleeping on familys floors they didnt seem to care I contacted them recently, asking for advice because they took my new address and slapped it on that bill like it was my debt to a place Ive never lived at I confronted them. They didnt give me no answers. I try to resolve this and they asked what my current address so they can send me updates about the dispute and then they end up sending me the current bill with my current address on it. This is on XXXX and to be honest. This is my worst experience ever.
Consumer complaint received 2023-05-30
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date DC XX/XX/XXXX
Consumer complaint received 2024-08-29
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)

I sent in multiple metro 2 compliance letters and they continue to ignore them and also act like they dont know its me and send me a stall letters, I need them to stop and make necessary changes, Ive sent letters to XXXX XXXX equifax XXXX and XXXX XXXX but the complaint will only let me upload one letter but they all got a letter like the attached letter
Consumer complaint received 2023-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( XXXX ) Has violated several of my rights.

15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy.

15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Abra (IL)

On the XX/XX/2023 i sent a wire deposit of {$79000.00} to ABRA Global to be deposited to my ABRA wallet.My deposit was not credited.I reached out to Abra customer support and they said my deposits has been disabled and my account restricted and they were not obliged to provide any further information to me.I asked them what happens now to the funds i had wired and they said i had to recall the funds from my bank.Abra uses a third party banking partner called XXXX XXXX XXXX. I contacted XXXX XXXX XXXX where i sent the wire to and they confirmed the wire was received and deposited to Abra.My bank also said the receiving bank didnt respond.I contacted XXXX XXXX XXXX  again to help and they did.They came back to me with information that ABRA had declined the recall and said the funds were withdrawn. I want answers and my money returned because my bank will not be able to do any recall until the receiver does so. ABRA has since not responded to my emails or helped in dealing with this matter any further.I want my money. Please help. 
My wallet ID is ; XXXX And my Abra contact support ticket number ; XXXX
Consumer complaint received 2023-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

When I opened my account ( it was ING Direct back then ) the interest paid for their high yield savings account was over 3 %. As interest rates were cut in the years since that went down to 0.3 %. Now that the fed has been raising rates I assumed that the interest rate on my account was also being raised, as it was for my other high yield savings accounts. Apparently, to take advantage of Capital One 's current 3.9 % rate I have to close my Capital One 360 Savings Account and Open a Capital One Performance 360 Savings Account. Capital One automatically lowered my interest rate when the fed cuts rates, but to take advantage of a rate increase I need to open a new account? I was never notified that this would be the case. This has literally cost me thousands of dollars in lost interest payments. I don't know that it's criminal, but it feels like it comes pretty close. I called their customer service and was told I could file a complaint but there's a 45 - 60 DAY turn around time.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-08-25
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)

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 resulted 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 identity theft!! Please delete these items IMMEDIATELY!

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 report under 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.
Consumer complaint received 2023-08-25
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. (CA)

You are reporting inaccuracies on my credit report, first of all I've written to you before regarding this matter. You refuse to delete names on my credit report that does not match my name. Below is a picture of my ID showing my exact name, this is the only name and formant that I have ever had and that must be used. Every other name on this consumer report does not match, and it does not belong to me, delete these names immediately. Furthermore, you are furnishing outdated and irrelevant addresses on the premise that the credit report is supposed to be accurate. 15 USC 1681b speaks about relevancy of the information on the consumer report and the obligation you have to report accurate information. You are reporting inaccurate information and outdated information, you have single handedly caused damage to my reputation, my character, my mode of living. This information needs to be deleted ASAP. 

My ONLY Name : XXXX XXXX My Only Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX My Only Email : XXXX My Only Number : XXXX Any and Every bit of information pertaining to me needs to be deleted ASAP. And is against the LAW.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have talk to Capital One on XXXX XXXX about a late charge on my credit report that shows that I was late on XX/XX/2023. I do not remember that I was even late. That was the time I was in the Hospital. They tole me that it was mine. I asked for a courtesy to delete that one as I only have one and having six other accounts and no late. I was told that it was against THE LAW.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (SC)

A XXXX freeze was placed on my business account on XX/XX/2020. I sent out certified letters back in XXXX, XXXX to several TD Bank Facilities. However, my request for an answer and inclusion of this problem has gone unanswered, and I am requesting that my funds be returned immediately, and my loan be forgiven. I did try to complete the forgiveness of the loan with help of a specialist via telephone, who was sure that that would have worked. Unfortunately, my forgiveness was blocked for this alledged mistake of my business receiving a XXXX PPP Loan, and now I am also in debt with the SBA as well, which makes it even more difficult for me to apply for funding to get my business back up and running. This has caused my family to be faced with devastating hardships and adversities. We've been faced with a lot of agony, pain, and suffering. We have never endured such hard times or faced as many obastacles since the freezing of our business account, which was the primary support for my family. Therefore, I am asking that my account be reactivated and funds returned immediately.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I need a debt validation claim showing that I signed a contract with this debt collector according to code 15 usc 1692g. A gull detailed list of the payment on this account and history. I want to see the original signature that I signed personally to this creditor. And any insurance claim on this debt and a chain of title that you have to collect on this debt if not please remove this from my credit report asap!!!
Consumer complaint received 2023-11-14
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. (NC)

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 Account Number : XXXX Account Name : 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.