davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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. (OH)

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.

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 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (NC)

XXXX XXXX XXXX XXXX and XXXX sent one invoice for the balance after insurance payment and I paid the balance through my XXXX account, which I have confirmation. 
A month later, Prince Parker, a debt-collector called me for the payment. I informed them that I already paid and requested to check with the debtor. After two weeks, the debt collector sends a notice for payment. 
I do not deserve this harassment from the debtor nor their debt collectors for a balance I already paid. First they need to Improve their accounting process before they play this dirty game of extortion.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-05-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NC)

I DID NOT OWE A DEBT TO XXXX XXXX XXXX XXXXT ANY POINT DURING IN OUR ORIGINAL CONTRACT, XXXX AT THE TIME XXXX XXXX VERIFIED THAT I DID NOT HAVE ANY DEBT WITH THEM. I WASNT UNTIL AFTER XXXX LEFT HER POSITION THAT I RECEIVED THE FALSE COLLECTION. ALSO, I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH THE COLLECTOR IQ DATA INTERNATIONAL IN AND THEY FAILED TO PROVIDE ME WITH THE ORIGINAL CONTRACT.
Consumer complaint received 2024-01-16
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. (OK)

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Citibank made an unauthorized debit from my bank account in the amount of over {$9000.00}. Records show that I make payments of amounts under {$20.00} per day, and have never authorized a payment that exceeds the amount in my bank account. Citibank reps said their records showed that I had authorized it via my mobile app. Turns out, Citibank has access to my account and can make activity logs look like I authorized the payments ( most centralized banks do ). 

Citibank decided to abuse these privileges of being a centralized bank and debit money from my bank account such that it went down to XXXX dollars and went into thousands of dollars of overdraft. Thankfully my bank XXXX XXXX did not immediately release the payment to Citibank, and I was able to request a stop payment in time. XXXX XXXX also approved of my claim that the amount was not authorized by me because they saw the consistent daily payments to Citibank in the amounts of under {$20.00} per day, which didn't match the behavior of authorizing a payment of $ XXXX that would set my account to XXXX dollars and into overdraft. 

Per XXXX XXXX, Citibank 's actions constitute fraudulent unauthorized access and payment request, and the public should know about it. No bank is perfect, but at least XXXX XXXX was more organized and quick in its handling of the situation and restored my bank account by returning the funds back to my account. Citibank 's representatives are also badly trained to not care about the customer. Some of them do not transfer to the correct department and are very lazy and unethical, which is reflective of high up management. 

Even with AI, the organization, security and ethics will get worse, and I can how Citibank and other banks too might become lazier and more despondent as the people who work there depend more and more on AI, thereby getting XXXX XXXX XXXX adding to the increased entropy of disorganization, dysfunction, and corruption -- all AI assisted. 

Dependence on technology and AI without considering security and access controls from the inside of the bank may very well be the cause of the downfall of Citibank. Citibank deserves their fate and its impending doom, as NY attorney general XXXX XXXX and the hundreds of thousands of customers who lost money ( and have not been made whole ) through Citibank 's data breach ( probably from lack of insider access control ) and people like myself who have experienced unauthorized activity from Citibank itself are all aware that Citibank is the most unethical big bank of them all. Citibank is set to blame itself and they are now receiving tenfold of payback of the amount of nastiness, corruption, greed, and abuse they have committed against customers.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

ILLEGAL JUNK FEE CHARGED TO COVER THEIR MISTAKE OF NOT SENDING NEW DEBIT CARD Within days of my complaint, they respond they did refund the {$15.00}, but thats NOT THE POINT, THEY DENIED ME ACCESS TO MY MONEY DELIBERATELY. A debit. card tied to {$160000.00} of money XXXX XXXX,, twice thet dernied me access for XXXX days. BNY MELLON HAS RECORDS OF THEIR POOR PERFORMANCE IN INVESTIGATING AND REPORTING FRAUD. IT TOOK XXXX YEARS FOR ME TO OBTAIN MONEY STOLEN FROM ME... .. only to find out the debit card responses came from BNY MELLON . 

now,,,,, with in days of complaining to CFPB, BNY MELLON writes a poor self serving letter ... ..LYING ABOUT THE {$15.00} FEE THAT WAS SUPPOSED TO BE CHARGED XXXX DAYS EARLIER FOR OVERNIGHT CARD.. ... that never was sent. DESPITE XXXX PHONE CALLS TO THEIR INEPT FOREIGN ANSWERING SERVICE THAT DO NOT SPEAK XXXX OR YOU CANT UNDERSTAND IT ... THEIR UNTRAINED ACCENTS SOUND LIKE YIDDISH... 

BNY MELLON LIES " ... you were satisfied with the resolution ''. ABSOLUTELY NOT. XXXX - - - -!! THIS WAS SECOND TIME, THEY SCREWED UP. 

AFTER FIRSB TIME IN EARLY XX/XX/year>, after stranding me without acccess to my {$180000.00}, because of complaining only to XXXX, BNY ACCESSES ITS XXXX XXXX XXXX RECORDS FROM XXXX AND IMMEDIATELY SEND ME A LETTER THROUGH XXXX .... OR INFLUENCED XXXX TO SEND ME A TERMINATION LETTER, after XXXX incident with debit card. TOO SEVERE FOR XXXX INCIDENT.. 

SO TODAY AS I'M GOING THROUGH COMPLAINTS I SEE that BNY MELLON is involved with both DEBIT CARDS. They must have used PREVIOUS INFO FROM XXXX,,, to influence XXXX to close my accopunts. AND ALL INSTANCES ARE DUE TO INCREASED FRAUD I HAVE EXPERIENCED SINCE I DISCOVERED IDENTIRTY THEFT AND XXXX FROM A. FOREIGN COUNTRY BNY MELLON HAS THIS FOREIGN XXXX REPORT SENT BY INTERNET AND HAS SPREAD IT FROM XXXX TO XXXX
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX And XX/XX/XXXX also XX/XX/XXXX on all three of these days the company refused to comply with the guidelines associated with insurance through comenity bank and the assurant policy which was purchased several months before the account became late. Then on XX/XX/XXXX customer service refused to transfer the call regarding changing the statements from electronic to paper, refused to send a paper Statement. On XX/XX/XXXX the company refused to modify the issuance of statements from electronic to paper then after " fully verifying '' the man on the phone said " ALL OF YOUR PHONES HAVE BEEN BLOCKED. '' This was at the end of the call and the man was unusually reluctant to allow paper statements for the account.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I alredy did some dispute to Transunion trying to fix the error buy they are continuing reporting that error and never send me any proof of the account investigation, the account is XXXX XXXX XXXX XXXX account number XXXX and they report me a late payment on XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I am consistently on time but they are reporting me as late.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-16
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accountsas unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00}
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (TX)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all XXXX credit reporting agencies.
Consumer complaint received 2024-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly see the attached documents. I want the bureau to begin an investigation into these accounts, as I am never overdue, but they are wrongly reported as such.
Consumer complaint received 2024-04-04
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. (WA)

The Fair Credit Reporting Act, under 15 U.S.C. 1681, Section 602 ( a ), mandates that consumer reporting agencies like Experian, XXXX, and XXXX uphold their significant duties in a manner that is fair, impartial, and mindful of a consumer 's right to privacy. As the Consumer, I am entitled to ensure that my personal data remains confidential, a right supported by 15 U.S.C. 6801, which articulates Congress 's stance that financial institutions must actively and continuously honor their customers ' privacy and secure their sensitive personal information.

The entity providing information to credit agencies qualifies as a financial institution according to this statute. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clarifies that a consumer reporting agency may only provide a consumer report when explicitly authorized by the consumer 's written consent. Neither Experian, XXXX, XXXX, nor the furnisher of information to these agencies possesses my permission written or otherwise to disseminate my information. 

I hereby revoke all forms of consent previously given to Experian and the furnisher of information to credit agencies, be it verbal, non-verbal, written, implied, or otherwise. According to 15 U.S.C. 6802 ( b ) ( c ), a financial institution is prohibited from disclosing a consumer 's nonpublic personal information to unrelated third parties without first informing the consumer of their right to opt out of such disclosure, which I was never informed of.

Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting any adverse information older than seven years, with certain exceptions. The adverse account they are reporting does not have my consent and is, therefore, unlawful.

In addition, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no one may provide information to a consumer reporting agency if they know or suspect it to be inaccurate. 15 U.S.C. 1681e requires these agencies to implement reasonable procedures to prevent violations and restrict report furnishing to authorized purposes, which Experian is failing to do.

Lastly, as per 12 CFR 1016.7, I have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Consumer complaint received 2024-01-16
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. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX, XXXX XXXX, XXXX XXXX ( the Scammer/Merchant/Fraudster ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX  account to Wells Fargo at the instructions of the scammers.
Consumer complaint received 2024-01-16
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. (NC)

XXXX XXXX XXXX are reporting XXXX XXXX XXXX Balance {$13000.00} and also reporting XXXX XXXX XXXX Balance {$38000.00} I've disputed these items in the past as fraudulent accounts and the items was deleted they are now reflecting back on my credit reoport.And I've sent letters and FTC reports regarding this matter and they are still reporting these fraudulent accounts on my credit report!! These items are not reporting on Transunion and per the law all credit reports are supposed to be accurate and the same all across the board! this is hindering my true credit and I want these items removed!
Consumer complaint received 2023-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (AL)

Upon checking my consumer report. I see that your company is saying that i owe you a medical debt. I have not did any business with your company. I didn't give your company authorization to access my information. Any information open by your company is not mines and is considered fraud.
Consumer complaint received 2024-01-16
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
Please remove this inaccurate address as soon as possible. This is not my home address. Please verify and delete it immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX