davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (FL)

MY HOUSE WAS BROKEN INTO A FEW YEARS AGO AND THEY STOLE MY PERSONAL INFORMATION AND MY FAMILY INFORMATION AS WELL. THEY HAVE OPEN LIGHTS IN MY NAME AND NOW I SEE A PHONE BILL. CAN YOUN PLEASE REMOVE THIS ACCOUNT.
Consumer complaint received 2023-05-16
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. (CA)

This is my second 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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. (AL)

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 U.S.C 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX # XXXX has violated my rights. 

XXXX # XXXX has violated my rights. 

XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX number # XXXX has violated my rights. 
XXXX XXXX  CFPB violation.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX. I am writing for Transunion to remove outdated information. Please remove the XXXX XXXX XXXX XXXX  account XXXX in the amount of {$3900.00}. As of XX/XX/2023 this item needs to be removed, for XXXX years that this has been on my credit file. Please update my credit file and send an updated copy of my credit file with the deletion of this record.
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I received a message from the bank that I added a person to my contact from XXXX. Later I called the bank to figure out how the contact was added, and they told me that there was no contact added. Then 2 hours later that same contact took money out of my bank account. Then in the same moment as money was being withdrawn from my account I called the back and told them to block the account. The bank blocked the account after the 9th transfer but only cancelled 2 of them. They later told me that I was the one who made the transfer and refused to give me back my money. This happened on XX/XX/XXXX of XXXX  for the amount of {XXXX} and the withdrawals were {XXXX} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {XXXX}
Consumer complaint received 2023-05-15
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)

Recently found out someone broke into my mom 's house early last year and stole all my personal information along with my sisters and brothers. my information along with XXXX of my sisters is being used and we don't know who it is but they have gotten loans and other items under my name.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roosen, Varchetti & Olivier, PLLC (MI)

I am filing a claim against the collector for violating the Fair Debt Collection Practices Act, which prohibits suing or threatening to sue for a time-barred debt. the contract was on XX/XX/XXXX for a oil leaking vehicle a XXXX vehicle, this debt is barred from collecting. Sec XXXX XXXX statute of limitations in contracts for sale ; contractual reduction. My wages are getting garnishment since XX/XX/XXXX its been 7 years and 7 months since this contract was entered. XXXX this company Roosen, Varchetti, and Oliver, PLLC. is violating the Fair Debt Collection Practices Sections : 440.2725 Statute of limitations in contracts for sale ; contractual reduction. 

Sec. 2725. 

MICHIGAN LAWS STATES : THE CONTRACT SALE SIGN DATE WAS XX/XX/XXXX Default date is a lie and the balance is a lie you have received over, {$9000.00} You have received all the balances state income taxes, and wages you are a fraud and a scam I will not stop fighting this till you go down. This oil leaking lemon was sold for {$500.00} that tells you that I will Pursue action against you. I will not stop. Till you be reported or lose your attorney license.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (OH)

As of XX/XX/XXXX, my various credit reports are showing that I owe an amount of {$120.00} to a debt collection company called the CBE Group. Given the amount and time frame, it's fair to assume that the original debtor is XXXX Communications. They're claiming that I have not returned my router and modem equipment. 

The equipment in question was returned to XXXX in XXXX  of XXXX after my first internet contract expired. XXXX is unable to keep proper records of the equipment they receive, so they sent me a collections amount for {$120.00} in XXXX of XXXX claiming that I never returned the equipment. I, then, contacted the debt collection agency and the CFPB to get the issue resolved. Long story short, both XXXX and the debt collection company couldn't adaquetely prove that the equipment wasn't returned, so the debt was removed from my credit report. 

Fast forward a few months, I was forced to re-sign with XXXX in late summer of XXXX due to limited options at my apartment complex. With this second contract, I decided to use my own equipment to avoid a potential second derogatory mark on my credit. Lo and behold, they've decided to charge me AGAIN for the exact same equipment after my second contract ended in XXXX of XXXX. 

XXXX will not provide me an explanation as I've tried to dispute the charge directly with them. My theory is that the salesperson, who signed me up for my second contract, must've wrongfully assumed I'd be using the equipment from my first contract ( even though it had already been returned ) and marked my account as such.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have not Applied for any credit account or loan accounts in the last 3 years and I have noticed I have some inquiries on my TransUnion account that I did not authorize. I was told that they would be a soft inquires but instead they were hard inquiries by these companies listed below!! These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. A request for your credit history is called an inquiry. There are two types of inquiries, hard and soft. A soft inquiry will not affect your credit score, but hard inquiries may. Hard inquiries remain on your credit report for two years. 
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 2023-05-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

I have been reallocating my assets from my USAA savings account to a savings discover account. 
I have been very careful to time the transfer requests in such a way to avoid overdraft particularly. I transfered XXXX to discover after receiving XXXX from selling stocks on XXXX and being deposited into USAA. After receiving my midmonth pay I deposited XXXX into my USAA savings account from my checking account. After that was reflected on the app, I transfered that XXXX to discover. Now USAA is stating that I never transfered the XXXX between account and is claiming overdraft fee of XXXX. The app reflected my XXXX transaction which would have completely avoided the overdraft fee but now it is not reflected at all on the app! I feel this retribution from slowly closing down my account with them ( which I responded to in a survey ) and is completely unfair as sufficient money was within my accounts in the USAA ecosystem.
Consumer complaint received 2024-10-22
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. (NJ)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is related to the prior complaint from XXXX where Bank of America charged off my account in XXXX claiming they did not know where I was, when they were already collecting from me on an unrelated Bank of America Account which I eventually paid in full. 

They have now issued a 1099 to me for what they claim was the balance they wrote off in XXXX. The XXXX is for {$11000.00} for account XXXX. I had previously requested the original agreement which they could not produce and I am not liable for the full debt as stated on the tax document. 

The debt was discharged by Bank of America in XXXX. They harassed me calling before and after hours and when I complained they admitted their own wrongdoing. 

This is a continuation of Bank of America harassing borrower 's.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I revied my credit report. I notice the following issues. 
Account Name : XXXX XXXX XXXX. 
date opened, high credit, date last reported, date last activity, please investigate or delete due to the fact that all credit reporting agencies are supposed to report 100 percent accuracy across the board for all credit reports, and it is not. I do not use XXXX on any paperwork. I was told that everything came back complete and accurate. How is that possible if the open date, date of last activity, and much more is incorrect? According to 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have a 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. I previously asked XXXX XXXX Bank for items by law. 
These items are : a payoff disclosure, interest rate disclosure, credit insurance, original contract with my signed signature on it. I never received anything.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I dont wan na open too consumer financial protection bureau complaints, but there are XXXX issues XXXX different credit cards issued to Bank Of America card XXXX XXXX and XXXX Both categories were changed before the charge was even put through is to start in the new quarter. I have an extra {$2500.00} on each card for the bonus. 
Both cards were from the same merchant AAA  XXXX  They did not receive the correct amount. I only received. It looks like the one and a half percent so its missing the relationship owner is a category of bonus. 
The merchant code for AAA XXXX  is correct. I received the same bonus on card ending XXXX. XXXX/XXXX  I wasnt given a ticket but the person very friendly I called up this morning. He said he would open a ticket. My concern is XXXX billing cycles to finish it when these funds should be available at the end of the billing cycle an appear on XXXX statement
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Andreu, Palma & Andreu, PL (FL)

Dear CFPB, I am writing this letter to formally request that the company Andreu, Palma, Lavin, & Solis, PLLC cease all communication with me regarding the alleged debt in question from 2011. I have reason to believe that the debt in question is fraudulent, and your attempts to collect on it constitute harassment under the State of Florida 's harassment laws.

I have never entered into any agreement with your company, Palma, Lavin, & Solis, PLLC or any of its affiliates, and I have no knowledge of the alleged debt. Furthermore, I have not received any documentation regarding the debt from 2011, as required by the Fair Debt Collection Practices AAndreuct ( FDCPA ). 
Your repeated attempts to contact me via phone calls, text messages, and emails have caused me significant distress and XXXX. I am fully aware of my rights as a consumer under the FDCPA and the State of Florida 's harassment laws, and I demand that you immediately cease all communication with me. 
I demand that the company Andreu, Palma, Lavin, & Solis, PLLC provide me with written and signed documentation of the alleged 2011 contract with my signature, and a copy drivers license of the alleged debt dated from 2011 within 5 business days. Failure to provide such documentation will be considered a violation of the FDCPA and harassment under Florida law.

If the Andreu, Palma, Lavin, & Solis, PLLC company fails to comply with this request, I will be forced to seek legal action to protect my rights as a consumer. Any further attempts to collect on this alleged debt will be considered harassment and will be dealt with accordingly.

Sincerely,
Consumer complaint received 2023-05-16
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. (CA)

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Deinde Online Services, LLC (KY)

I was approved for a loan of {$2200.00} on XX/XX/23. I connected the application to my bank account ( by using MY bank log in info ). I received an email from Integra later that night stating that the funds had been sent to my bank. Saturday XX/XX/23 I still had not received the funds and contacted integra customer support. The support agent asked me to verify my information starting with my account number. She told me the numbers I was reading off were completely incorrect and that she would need to send to have the funds returned by the bank and I would have to provide a bank statement. I attempted to tell her that I was sure the account connected to my accounts because amounts in the accounts and everything were the same. It was also determined during that call that I had unknowingly applied using my maiden name. Im guessing this occurred due to me applying through XXXX XXXX which I had no clue had not updated my married name in the ten years I was married. On XXXX XXXX you have to update this manually I learned! Monday XX/XX/23 I spoke with integra again and since they had not received the funds I contacted my bank via their app messaging feature. It was determined by a bank representative that the money was being sent back due to my last name not matching my account. The account number was correct. I received a couple of emails from integra the next morning and thought I would just need to provide my bank statement and drivers license. The only info that was different on the new application was my last name. They even had my social security number. Easily could have been verified that I was in fact who I was saying I was. Called customer service to reapply XX/XX/23. SECOND application was denied! But they ran my credit again! I want either the inquiries removed or my loan since this loan was for emergency car repairs and to pay off an old loan that I thought my ex spouse had taken care of. I didnt read the complaints on XXXX  just looked at the rating, lesson learned.
Consumer complaint received 2023-05-15
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.