davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sentry Credit, Inc. (FL)

I received a major amounts of call and it would be a voice system and I would leave messages and never get a call back. The first time I received a collection notice was on XX/XX/XXXX for collection on an account that was discharged in my bankruptcy on XX/XX/XXXX. The debt was held by XXXX/ XXXX XXXX  XXXX . taken out on XX/XX/XXXX in amount of {$5200.00}. 
However this debt was included in my bankruptcy that has already been discharged as stated above. 

After I received the collection I called and spoke to a man named XXXX at ext. XXXX at XXXX XXXX. XXXX advised me that he was collecting on above account that was not paid. But he couldnt tell me the date the loan was taken for or the company who serviced loan, so he would forward info to my house. He proceeded to get nasty after I advised him that this debt was included in my bankruptcy and was discharged. I told mark per my lawyer XXXX XXXX at XXXX that any collection attempts should be forwarded to him. XXXX proceeded to tell me that once the bankruptcy was discharged they had a right to collect on debt. 

I then proceeded to call both XXXX/XXXX XXXX XXXX and was told that they didnt have any information on me in system. I was forwarded just Incase by XXXX id # XXXX from XXXX XXXX to their own collections department. Where I spoke to XXXX and she advised me that they didnt have such debt in their system either. 

So on XXXX at XXXX XXXX I put in a claim against Sentry Credit , Inc. to the XXXX XXXX XXXX claim # XXXX. I recently received a response on XX/XX/XXXX from Sentry Credit inc. Stating that our client received an OCC complaint from the consumer and we are waiting for them to respond before we respond to her rejection. May please get an extension on the due date of our response? 

I called OCC on XX/XX/XXXX at XXXX XXXX and spoke to XXXX id # XXXX said that I nor anyone on my behalf filled a complaint with the OCC. She checked under my maiden, married name and zip code for last 5 places I lived. XXXX was the one to advices me to file a complaint with your bureau because you cover all collection agencies. So I called your agency and spoke to XXXX id # XXXX who advised me after hearing my story to file a complaint online so I can include supporting documents. 

Attached you will find the documents that provide proof that XXXX/XXXX XXXX  XXXX. was included in my bankruptcy and was discharged with bankruptcy. I also attached a copy of my credit report showing that the status of the above debt was discharged and has a XXXX   balance.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

COMPLAINT XXXX WAS FRAUDULENTLY MARKED AS A DUPLICATE BY CHASE! 
COMPLAINT XXXX IS NOT A DUPLICATE! COMPLAINT IS ABOUT THE SPECIFIC INCIDENT IN THE SCREENSHOT WHICH OCCURRED ON XX/XX/24 AND THEREFORE IS NOT A DUPLICATE WITH ANY COMPLAINT FILED BEFORE XX/XX/24. 

ANSWER THE XXXX COMPLAINT! AND IN ADDITION EXPLAIN HOW YOU ARE GETTING THE CFPB TO CENSOR MY BY ABILITY TO RESPOND TO THE COMPLAINTS! " SURVEY NOT FOUND ''. SOMEONE IS DISABLING IT ON THE BACK END. IS NOT ACCESSIBLE BY CFPB AGENTS OVER THE PHONE EITHER.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I opened a PayPal credit line to purchase a laptop on XXXX. It was an interest free promotion for 6 months. On the first statement from them, I noticed two interest charges added to my balance. I called and questioned it and they waived them. I got a second statement from them and they charged interest again. When I asked why this continues to happen, the agent declined to provide any explanation and refused to refund the most recent interest charge of {$4.00}, which is why I am contacting the CFPB for resolution.
Consumer complaint received 2023-08-24
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)

They list my dwelling as a multi family dwellingand it is not, they wont tell me where they got their informationit is WRONG. 
I own 4 acres and a house on that 4 acres, but I live down a Private county roadand they signify it by lot number, Im # XXXX Please HelpExperian wont even answer the phone
Consumer complaint received 2024-01-17
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. (IL)

I have contacted the creditors and credit bureaus because I have multiple errors of hard inquiries pulled on my credit file with transunion that they are refusing to remove. 
The following hard inquiries that were not requested by is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
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. (IL)

I have contacted the creditors and credit bureaus because I have multiple errors of hard inquiries pulled on my credit file with transunion that they are refusing to remove. 
The following hard inquiries that were not requested by is XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-08
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. (NY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

I was checking my credit report when I came across this company caine & Weiner and stated that I owed {$1000.00}. From a company called XXXX XXXX which I XXXX  it and it's a gambling for horses which is against my religion I'm not allowed to gamble. 

15.u.s.code 1681c-2 a consumer reporting agency shall block the the reporting off any 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 arein Violation of this law because I am a victim of identity theft!! Please delete the item immediately! The account should not be furnished on my consumer report as they are in valuation!! Under, 15 u.s Code 1681b- permissible purpose of consumer report ( a ) in GENERAL subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN consent to report anything on my consumer report which violate my rights as a federal protected consumer. No content is IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!!
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HGREG.com (FL)

I previously sent this dealership HGREG XXXX XXXX XXXX a cease and desist as well as an Affidavit of Truth on or about XX/XX/2020. I received NO response from this dealership so I am resubmitting this case to them through certified mail, process server and through this CFPB portal. 
HGREG XXXX XXXX XXXX has committed several violations of Federal Law most importantly violating the 15 USC 1601 Truth In Lending Act [ TILA ] by having practices that are inconsistent with the Truth In Lending Act. 
HGREG XXXX XXXX XXXX has communicated with me through text on my work phone ( without my consent ) in an attempt to threaten me and unlawfully seize my property ( Which I have proof of ) AFTER receiving my cease and desist prior to. ( Which I have proof of ). I Notified the agent ( who would not give their name ) not to text me and about my cease and desist order yet they still attempted to harass and threaten to seize my property. I do NOT owe this company ANY alleged debts, HGREG XXXX XXXX XXXX has unlawfully placed a lien on my property that I have already paid for via my credit card ( social security card ) and my open end consumer credit plan. 
HGREG XXXX XXXX XXXX used material misrepresentation to deceive me as a consumer, and intentionally omitted vital information preventing me from ascertaining the true facts of my purchase with this company. 
HGREG XXXX XXXX XXXX engages in practices that are not consistent with the requirements from the 15 USC 1601, Truth In Lending Act, which prevents me as the consumer involved from conducting consumer credit sales/transactions that are equitable to me. I am making a dedicated and detailed record of all HGREG XXXX XXXX XXXX unlawful practices should I need to take further action against them. In the mean time I am enforcing my rights and demanding that they cease and desist these unlawful attempts to threaten, XXXX XXXX XXXX XXXX including attempting to unlawfully seize my property, which is mine by right as a Federally protected consumer and natural person. 
I have also included the XXXX XXXX that was sent a Cease and Desist order due to XXXX of the employees attempts to impersonate an attorney through text in order to defraud me and unlawfully attempt to seize my property.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically per 15 USC 1602. I hereby opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have given to your agency. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Opt-Out Request : I am formally requesting that any and all credit reporting agencies cease any and all use of my consumer information for the purposes of credit reporting or any other related activities. This includes, but is not limited to, the collection, dissemination, and use of my credit information. 
Authorization Revoke : I am revoking any previous authorizations, whether written or verbal, that may exist in connection with my consumer information. This revocation is in accordance with the rights granted to me under 15 USC 1602 of the FCRA. 
Acknowledgment Request : Please provide written acknowledgment of the receipt of this opt-out request, including the date on which it becomes effective. 
Contact Information : For any further correspondence related to this matter, please contact me at the following : XXXX I appreciate your prompt attention to this request and expect that my consumer rights under the FCRA will be fully respected.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated Metro 2 data formatted reporting standards according to regulations.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ZIONS BANCORPORATION (NV)

A XXXX name error will not allow customer contact with creditor to receive financial services of internal revenue service from registered english given name. Web page malfunctioned apon entering social security number to verify identity. Customer is preapproved for open credit file and cyber security Interfered with name data of application and refused to give customer approval data of social security number signature.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank )
Consumer complaint received 2024-01-15
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must block these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX FIN XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX  Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion : Trying to temporarily lift a freeze. 

Unable to do this on the website. I do have an existing account. Trying to log in it asks for user name and password. A new screen asked for security questions, which I answered. The next screen asks for SSN, DOB etc. which I submit.

Then the website shows a screen " There is a problem on our side ''. 

Fine, I call the number on the website. There is a XXXX wait time, but they also ask you questions like SSN, DOB, ZIP etc, which I provide. Finally, a rep picked up, and she stated that she couldn't help me, I had to call a different number. 

The different number, which is not provided on the online account log-in page, XXXX, the automated system asks for the same info as above. The wait time to get to a rep was about 20 minutes. The rep then asked questions like which of 5 addresses I was associated with, one of my previous # numbers ( over the course of 25 years and between private and business phone numbers I had quite a few, but I recognized the correct one ), and other pieces of info, he was finally ready to lift the freeze. However, I was still instructed to wait on the phone, listened to their recordings as he did whatever he had to do, and finally lifted the freeze. The whole process took more than an hour. 

Why can't they fix their website so that I can unfreeze it on my own? 

Remark, unfreezing for XXXX and XXXX took less than 2 minutes each using their respective websites. 

The reason why I complain : This is not the first time that the Transunion 's unfreeze process has been broken. I remember I had the same issues a few months ago, but let it slip as it could have been a one-time problem. However, their web process is still broken. So it is not a one time problem. It seems to be a systemic problem.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

I purchased a transmission from XXXXXXXX XXXX XXXX XXXX my Discover card was charged XXXX $ however I never received the transmission the charges went to XXXX XXXX  in NY city but they never sent me the item they told the credit card company that they provided a security system service but they never sent any supporting documents I have been trying to resolve this issue with Discover card but they refused to open up the case with the merchant.