davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (TX)

I work for XXXX XXXX, and our receptionist just routed me a call from a debt collector named Midland Credit Management. I have no idea who these people are, and am not aware of any collections on my credit report. I am livid that they would have the audacity to contact my employer. When I told them to never call my employer ever again they just deflected so I hung up on them. No debt collector can ever contact my employer, and I would never give any third party company permission to contact me by other means aside from my personal cell phone. This could've gotten me in serious trouble as it would be highly frowned upon if I had debt in collections in my role. Please have them cease and desist all future contact with my employer in perpetuity. 

Thank you,
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

This is my Follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX CARD XXXX Balance : {$14000.00} XXXXXXXX BANK XXXX XX/XX/2022
Consumer complaint received 2023-05-29
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: TRANSWORLD SYSTEMS INC (MD)

Transworld Systems, a collection agency, is reporting an account to my credit bureaus. They are reporting a Electric Bill that is disputed with the original creditor. Neither the creditor nor the collection agency ever reported this my credit bureau when it was being paid. I received no notice that this was being reported either! They are doing this for one reason, not to report credit history, since they clearly have never done that, they are reporting to extort payment from me. This is not what the credit bureau was designed for.
Consumer complaint received 2017-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On  XXXX / XXXX /  XXXX   I went to Bank of America, located on  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  in order to obtain a signature guarantee to transfer funds from my  XXXX  IRA account to my ex-wife 's  XXXX  IRA account, in accordance with the " Consent Final Judgment of Dissolution of Marriage. I was referred to a Merrill Lynch associate -  XXXX   XXXX . The service was denied to me in spite of the fact that I had all documents they need it to perform it and they were available to him. I was asked if I have an account with Merrill Lynch. My answer was " No '' moment when I was told he can not perform the request and I was asked to try other Financial Institutions ( which I did  ).  I wandered what the would 've been if i had an account with Merrill Lynch which is part of BOA. Fortunately, my ex-wife has an account with  XXXX   XXXX   XXXX  and based on the documents I had they performed that "  Signature Guarantee '' in less than 15 minutes. Under these specific circumstance I want to complain about the way Merrill Lynch, part of Bank of America tries to force consumer to buy their products. I think was unfair and discriminatory the way my matter was handled by BOA and I will do  everything in my power to correct this way of doing business.
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: EQUIFAX, INC. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX ) CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX 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 unde
r 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 2023-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

I've never heard of Sequoia Financial Services until I got a credit report. I noticed that this company had an account opened for me in 2017 and slowly ruined my credit by claiming I had not paid my credit with them. I never received mail or any notification for the 59 month 's worth of payment history data that was collected by the credit bureaus. The original amount being XXXX dollars and XXXX dollars being the total past due amount. It seems they only meant to destroy my credit without warning. My attention was only brought to it because it was the IRS that tipped me off to something being terribly wrong my notifying me that my tax refund had been intercepted in order to pay off a debt I wasn't aware of. 

As for the actual medical incident, which I did not call nor received medical treatment for, I was hit by a car while on my bicycle. I did not ride an ambulance, and I knew I was not in shock. A friend of mine from high school happened to be one of the XXXX 's and he just made sure I was okay. I did not realize they sent me a bill for a bad excuse for a reunion.
Consumer complaint received 2023-08-25
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. (TN)

I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (MN)

I received my loan statement XX/XX/XXXX, my principle balance was {$720.00}. On XX/XX/XXXX I made a payment of {$250.00}, {$240.00} went to my principle balance. I checked my account again on XX/XX/XXXX and my current balance was {$820.00} and accruing interest charges base off that amount. I notified UAS/XXXX XXXX of the mistake on XX/XX/XXXX to which they replied they were waiting on an account specialist to advise them on what to do, I requested documentation of the additional charges on my account. On XX/XX/XXXX they emailed me a copy of the loan details that did not indicate any fees or charges that justified the increase in the current balance. I restated the issue and asked for documents supporting this increase and asked they review my statement from XX/XX/XXXX and compare the current balance available with the principle balance on my statement ( {$720.00} ) and the payment ( {$250.00} ) applied to the account on XX/XX/XXXX. On the XXXX I checked my account again and the principle balance was {$730.00}, I emailed requesting an explanation and restating that the amount was still incorrect. I issued another payment of {$250.00} on the XXXX, an additional {$240.00} was applied to the principle balance. Today, XX/XX/XXXX, I got an email from UAS stating they had made a slight adjustment to my account and claimed " the rollback/roll forward and missing accrued interest recalculation from XX/XX/XXXX is what caused the balance to change. ". My current balance as of XXXX CST was adjusted to {$570.00} which is still the incorrect amount. I have emailed them multiple times today informing them that the new balance only takes into account {$250.00} of the {$500.00} I have paid this month on my loan. They claim the current amount of {$570.00} is the correct amount due. I informed them that based off my principle balance and my payments that is incorrect because {$720.00} subtracted by {$480.00} does not equate to {$570.00}.
Consumer complaint received 2023-05-29
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. (FL)

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, 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 2023-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

no company name no original creditor name. no phone no address provide account XXXX. 
Account type Collection Account Date Opened XX/XX/2020 Balances XXXX paid update XXXX paid off 0 monthly payments XXXX
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. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$6000.00}
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-25
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. (PA)

TransUnion and XXXX are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and TransUnion just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have written  Portfolio Recovery Associates  several letters asking them to verify and to remove a debt that is not mine. In addition, I asked them to provide me with the original contract between myself and the original creditor. In return, PRA asked me to send them additional information to help them verify the debt. It is not my responsibility to help them verify a debt that is n't mines. PRA does n't have any of the necessary paper work to prove this is my debt, yet they will not remove it from my credit reports and they are still trying to collect this debt. In fact, they have even threatened to sue me. The debt is less than a {$1000.00} and the PRA is located in different state than me. Thus, the cost to hire an out of state lawyer would be much more than the {$800.00} that they claim I owe. This is clearly a scare tactic and this company is violating the FDCPA in several ways.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern regarding the inaction and non-compliance of the credit reporting agencies in rectifying inaccurate information on my credit report. I have diligently followed the proper procedures and submitted requests for the removal of erroneous data, specifically regarding jobs, addresses, birthdays, and names. However, despite the considerable time that has passed, these agencies have failed to update my credit report accordingly, violating the guidelines set forth by your organization. 

To provide you with a detailed account of the situation, I have outlined the necessary information below : Date of Initial Request : XX/XX/2023 Description of Inaccurate Information : The inaccurate information on my credit report includes incorrect jobs, addresses, birthdays, and names. These inaccuracies have had a negative impact on my creditworthiness and financial standing. 
Actions Taken by Me : I have repeatedly contacted the credit reporting agencies, both in writing and by phone, to request the removal of these inaccuracies. I have followed the established procedures, provided all necessary supporting documentation, and clearly outlined the specific items that need correction. 
Actions Taken by the Companies : Despite my continuous efforts, the credit reporting agencies have failed to update my credit report within the legally mandated timeframes. They have not addressed the inaccuracies or taken any steps to rectify the situation, causing prolonged damage to my creditworthiness. 
I would like to reiterate that the credit reporting agencies ' disregard for rectifying the inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). This act clearly outlines the responsibilities of credit reporting agencies to investigate and correct inaccuracies promptly. 

Considering the gravity of this matter, I kindly request your immediate intervention in ensuring that the credit reporting agencies comply with their obligations under the FCRA. I implore you to investigate this issue thoroughly and take appropriate actions against the agencies that have neglected their duty to maintain accurate and up-to-date credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or supporting documents, please do not hesitate to contact me
Consumer complaint received 2023-04-03
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. (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 USC 1681. 

Account name : 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 2023-04-03
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 USC 1681. 

Account name : 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