davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (FL)

SVNOVUS/First Digital reporting monthly to XXXX that XXXX have a delinquent and unpaid account. Over {$6500.00} in a unsecured credit card. 

Called SVNOVUS XX/XX/year>, told need to call First Digital Called First Digital XX/XX/year> told nothing in my name but old closed account. 
Cant help me. Told need to call XXXX XXXX XXXX XX/XX/year> Cant remove delinquent account as they are being notified monthly to post against my SS # Called SVNOVUS and First again XXXX, will NOT help me told repeatedly no information exists. Asked to connect me to the department that sends information to Credit agency 's Neither would comply Called First Digital XXXX told nothing in my Cant help me. Then called First Digital XX/XX/year> and was told by supervisor he would uncover and call me back. Nothing. 
Called First Digital XX/XX/year> told to write letter which i did and mailed. 

Called First Digital XX/XX/year> and told no letter ever came or on file. Nothing they can do.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (SC)

In accordance with the Fair Credit Reporting Act the collection agency, Harris and Harris Limited, violated my consumer rights. The collection agency violated my consumer rights. through the improper use of my credit report and rights to privacy under 15 USC 1681 section 602. Also the collection agency violated my rights by furnishing a account to a credit reporting agency without notification or without consent or written instructions according to 15 USC 1681 section 604 ( a ) ( 2 ).
Consumer complaint received 2024-01-29
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. (PA)

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. Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX, XXXX Number : XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2024-05-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (NJ)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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. XXXX and XXXX are 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (VA)

Company ignored the fact that I am a victim of identity theft of XXXX data breach XXXX. I've been trying for years to correct my credit report. I now know why things are popping up on my credit report. These accounts are not mine.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to formally request the removal of my name as an authorized user on an account and to request that this account be deleted from my credit reports with XXXX, XXXX, and XXXX. 

I have not signed a card member agreement with Capital One, and I am not legally responsible for this card or its balances. I have recently reviewed my credit reports and noticed that this account is being reported under my credit profile and the information is all adverse to me. This account is impacting me negatively and is not mine. I have no legal obligation or agreement concerning this account. This account belongs to my soon to be ex husband XXXX XXXX. I am not a joint account holder and never gave Capital One permission to report this account information on my credit report.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been DISPUTED multiple times and it remains DISPUTED and it will forever remain DISPUTED. Every Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX have Willfully, maliciously, knowingly, negligently, deliberately, purposely, wantonly, intentionally, and incompetently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 protocols by failing to permanently mark my account as DISPUTED as clearly required by the FCRA and Metro 2. I demand {$1000.00} in statutory damages against every CRA and Furnisher for every day my credit file has not been reported as Disputed. The record is clear that I have bona fide disputes which have been admitted by every CRA and Furnisher. Moreover, XXXX XXXX Senior Vice President in charge of credit cards, XXXXXXXX XXXX  has sent at least 4 personal letters to myself and the CFPB effectively admitting my disputes. Moreover, my Disputes have been escalated to the XXXX XXXX Chairman of the Board due to the obvious illegal conduct.
Consumer complaint received 2024-01-29
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. (GA)

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal and non-verbal permission 15 USC 6802.
Consumer complaint received 2024-01-29
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. (IN)

Transunion is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX TransUnion is reporting XXXX XXXX XXXX XXXX on my report. Also, they have failed to provide my accurate and Only information on my report. again my only name is the showed above and i have provided legal documents showing my one and only name along with my one and only address. they have 3 different names on my report and neither names match the name provided my XXXX XXXX XXXX XXXX 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Consumer complaint received 2024-01-29
Product: Credit reporting 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. (DC)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. The inquiries are as follows : Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau XXXX Transunion Creditor/Furnisher XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX  Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status XXXX In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschenbaum & Phillips P.C (NY)

On XX/XX/XXXX Kirschenbaum & Phillips PC. XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Tel. # ( XXXX ) XXXX liened my bank account in the amount of {$6300.00} plus {$120.00}. Fees for a debt they claimed dated back to XXXX. I have no record or recollection of this debt from XXXX years ago. They appear to have quite a bit of information on me, but I know nothing about a XXXX XXXX overdraft account. My Credit history reports are clean. This XXXX debt claim is unacceptable and I need my bank account released immediately. Respectfully XXXX XXXX
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: BARCLAYS BANK DELAWARE (GA)

On XXXX there were XXXX unauthorized charges made using my card. They were for significant amounts totaling over {$3000.00}. I did NOT receive a fraud alert from Barclays and can prove this as the voice mail I received from them was on XXXX XXXX days after the charges were made and one day after they processed it. The charges were clearly NOT mine as they are for someone's rent and cable in XXXX where I do not live. They are also companies I have never paid before. If they would have had proper controls in place and stopped these charges as they are not typical charges for me. 

I was called on the XXXX about some new charges in another state but when they called they never asked about these charges in Maryland. So I discussed them all saying none of them were my charges. I didn't feel confident after that conversation so I then went in to my account and both disputed the charges and filed a complaint about the fact that the fraudulent charges had been put through and the fraud alerts that I have placed on my account had not been followed. I was upset because these charges were making my account show over the limit. I expressed my concern for that improperly being reported to the credit bureaus. And that is exactly what happened. Neither my written dispute or complaint has resulted in anyone providing me an updated or even acknowledging they received the information. I know they have a certain amount of time to respond as they can do an investigation. But I was assured by the rep when I called that this would all be removed when I receive my next statement. Statement was received but the charges still remain. 

I am a good customer with this company and this is clearly a mishap in their fraud system. These charges should have been caught and someone should have contacted me when I requested that they do. There error should not cost me over {$3000.00}. The fraud alert should have stopped the charges from going through.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

Mobile deposited a {$600.00} check to my Truist One Checking account on XX/XX/XXXX, when submitting my check it showed standard availability which would be the next morning, XX/XX/XXXX as the check was submitted before XXXX XXXX. Later in the evening I received an email saying a further hold was placed on the check until XX/XX/XXXX with the reasoning of our deposit date is within the first 30 calendar days after the account was opened.

I have never had a bank issue a such a lengthy and pointless hold on a check before, especially since the amount was under {$1000.00}. Unfortunately this money is to cover expenses after missing work from a XXXX and I wont be able to ask my grandparents that wrote me the check to issue another one due to stop payment fees and insufficient funds
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, a formal dispute letter was sent to American Express demanding the removal of an inaccurate 30-day late payment notation from XX/XX/XXXX that was reported on the account. The letter cited rights under the Fair Credit Reporting Act ( FCRA ) and requested a thorough investigation, removal of the late payment from credit reports if unverifiable, and written confirmation upon completion. 
On XX/XX/XXXX, American Express responded stating the address on the original correspondence did not match their records, requesting additional information be provided by calling their number. 
On XX/XX/XXXX, a follow-up dispute letter was sent reiterating the request to investigate and remove the inaccurate XX/XX/XXXX late payment from credit reports for the account. It requested all future correspondence be sent to a provided email address instead of the previous mailing address.
Consumer complaint received 2024-01-29
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. (GA)

TransUnion has lied to me numerous of times stating they did not receive any of my documents, when I have been submitting the documents through the Cfpb, this is my last attempt to resolve these matters about the unauthorized inquiries on my consumer file, TransUnion has been negligent to comply with the fair credit reporting act and does not have permissible purpose to furnish such information including the XXXX inquiries. ( Please see ALL supporting documentation to resolve these matters ) I have spoken with a specialist from transunion name XXXX who stated transunion did NOT receive my complaint submitted XX/XX/XXXX regarding the inquiries on my consumer file, when they actually responded to the complaint. Transunion has not been telling the truth and I shall seek punitive and statutory damages regarding the failure to comply with the fair credit reporting act and failure to resolve these matters ( SEE ALL ATTACHMENTS )
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was needing some financial relief so I filed bankruptcy in XXXX  a XXXX  XXXX. I was informed that I didnt need to file and I withdrew and the bankruptcy has been dismissed, and there are 3 cases that have been dismissed. I have attempted to get these removed from my credit report. And I did not give the courts permission to place the cases on my credit report. I have called to get them removed. I have submitted disputes with the credit bureau and they will not remove them, I have uploaded documents showing that the cases were filed incorrectly.
Consumer complaint received 2024-01-29
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint against Portfolio Recov ASSOC for violation of the Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB, I am writing to file a complaint against Portfolio Recov Assoc, for violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with their attempts to collect a debt from me. Specific Allegations : I have not received the validation information required by 12 CFR 1006.34 ( b ) ( 5 ), despite their attempts to collect the debt and place it on my credit report. I was not given an opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency used false, misleading, and deceptive means to collect the debt, in violation of 15 U.S.C. 1681-52 ( 7 ) ( A ). They furnished the account to credit reporting agencies without providing the required disclosures, violating 12 CFR 1006.34 ( d ). Impact on You : These actions have caused me significant harm, including, damage to my credit score, emotional distress, financial hardship. I request that the CFPB investigate these allegations and take appropriate action against Portfolio Recov Assoc. This could include requiring them to provide the missing validation information, remove the account from my credit report, and cease further collection attempts until the dispute is resolved. Additional Information : I have attached copies of any relevant documentation, such as collection notices, credit reports, and communication with the collection agency. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANKERS HEALTHCARE GROUP LLC (WA)

Company is threatening me claiming I committed a crime despite the fact they are refusing to understand that I was XXXX when the sequence of events happened. My intent was for them to not rely on the information provided and they are now threatening me using the CFPB.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Dear CBNA/Best Buy Credit Card Services ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.