davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hi there, this is XXXX, and I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. 
XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX XXXX  : Account number : XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2024-04-05
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  Balance : {$6700.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$3800.00}
Consumer complaint received 2023-10-13
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. (TX)

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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ===================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-13
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. (TX)

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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ===================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Statewide Credit Services Corp. (MA)

I received several calls from XXXX XXXX. XXXX from Schwartz and Schwartz & Assoc. I inquired about the concern. I explained that I did not receive letters and asked for the address on file. They had the wrong address. XXXX XXXX stating I owed funds from when my daughter attended school. I told her that was not accurate and I asked if I could call her back after speaking with Mr , XXXX XXXX. During the four days attempting to get in contact with Mr. XXXX, XXXX XXXX called several times during the work day. I repeated told her I was attempting to get in contact with Mr. XXXX. Ms. XXXX continued to threaten reporting this debt to the credit agency. I told her that I was in the home buying process and will correct this error. I continued to receive calls a day later. I finally called the office and asked for a different person on my case as she was harassing me via email and phone.

Almost two days later, I told the Mr. XXXX XXXX I did not own that amount of money and would gather the evidence to prove that I did not owe the money. He stated that it was no longer in hands. I told him that I personally paid him in for my daughters tuition and that he did submit most of it right away. I remined him that I called in the Summer to ask that he make the corrections as well as there was still a balance. He acknowledged that I did pay him ; however, he stated it was out of his hands. I asked him for the name and number of the Business office manager. He refused and stated he would not provide me with that information. I again stated that I paid him, and he yelled at me and hung up on me.

Immediately after my call with Mr. XXXX, I reached out to the collection agency ( XXXX XXXX. XXXX , Schwartz , Schwartz & Assoc . XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX LIC. # XXXX ) and told them the I did not owe {$1400.00}. They called me several times and kept threating my credit report- this happened in one week. I asked them to allow me until next Thursday to gather the necessary information to prove that I paid all bills and that my daughter was only in school for 4 1/ months. A few days later my credit report showed I owed the balance of {$1400.00}. This lowered my score and prevented me from moving forward with a mortgage loan
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO
Consumer complaint received 2023-10-13
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. (TX)

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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ===================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CA)

I am trying to make my monthly payments for my federal student loans through Aidvantage. I attempted an on-time payment back in XXXX. I found out today that my payment was reversed by Aidvantage and it never processed. I tried another payment earlier in XXXX, but days later my payment was reversed again. I never requested a refund. I am trying to make my payment but Aidvantage wont let me. I have more than enough money in my bank account to make the payments, so I do not understand why I can not make these payments
Consumer complaint received 2023-06-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
Consumer complaint received 2024-04-05
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)

This is my first endeavors 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX CT XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

To whom it may concern, As a former Capital One employee ( husband was too ), who actually believed the company meant they wanted to Change Banking for Good I am extremely disheartened about my account and the treatment it has received. I received notice that my account was closed for activity on this account or another account. I dont have another account and this account the only activity I have had on it for quite some time is just payments. The following are actions I think are very unfair, very deceptive, abusive, and quite frankly a horrible customer experience : Charge me the {$95.00} Annual Member Fee on XX/XX/XXXX o Close my account two weeks later, but not refund the {$95.00} Close an account that has been open for XXXX years, no missed payments, with a generic closure reason detrimentally impacting my credit Charge XXXX XXXX Interest Rate that has essentially my whole payment each month going to interest o How come you dont offer Financial Relief Programs like other creditors who are known to be aggressive like XXXX who offers XXXX XXXX interest on your balance, with a restricted card until it is paid in full. 
Charge {$40.00} late fee on a late payment with no ability to get it waived. This only furthers the negative financial impact on me I understand I will probably get a form response that says our cardmember agreement allows it, you owe us the money, thanks. That will be very disheartening to me, and will really show Capital One doesnt care about its cardmembers and is just chasing profits. My request is as follows : Reopen my card, with a reduced interest rate, and can restrict it until the balance is paid in full If you wont reopen my card, change it to Closed by Customer because had I known you would close arbitrarily I would have done it prior because it impacts your credit. 
Reduce my interest rate to XXXX XXXX  or less so I can actually pay this card off, I am a mother of two kids so every dollar counts Remove the {$95.00} Annual Fee Remove the late fees charged to me in XXXX Thank you for your time and I look forward to hearing from you via the CFPB complaint process.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: The CMI Group, Inc. (CA)

I do not owe this debt. This appears to be a debt collection for the XXXX XXXX  XXXX XXXX [ XXXX ]. 
* I have called the XXXX and confirmed with the XXXX  that I have never owed them money. I confirmed this on XX/XX/2023. 
* XXXX has also confirmed that the do not know who this collection company is. 
* Additionally, I do not live in, commute on, or visit any area in the XXXX districts. I live in California. 

I receive the following message on a regular basis via SMS : This is Credit Management on behalf of XXXX. Please call XXXX or visit https XXXX XXXX We are a debt collector. 

I have received these messages at the following times : XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

I went to see my Primary Doctor and XXXX XX/XX/2017. I had no insurance and paid out of pocket. It seems that XXXX XXXX XXXX took over and has explained they have been having problems with XXXX XXXX and wrong billing. They asked me to send them an email with the bill attached and no one seems to know who can handle it at this time. This is affecting my credit score and I did not have any lab results or gave permission for them to send it to XXXX XXXX. I tried calling have been passed around in the call center many times and have multiple times to resolve and dispute the charge for {$580.00} that was sent from the XXXX XXXX location to XXXX XXXX, to a collection agency named American Medical Collection Agency who reported it and affected my credit score.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I noticed an unusual transaction on my Bank of America personal and business checking accounts. 
XX/XX/XXXX Personal Checking # XXXX - Offset payment to acct XXXX - {$230.00} XX/XX/XXXX Bussines Checkig # XXXX - Offset payment to acct XXXX - {$480.00} After contacting the bank they informed me that they offset the amount to pay the credit card balance and referred me to discuss the matter with the offset department. I requested immediate reversal of the funds because Bank of America made such an action without informing me and most important without my consent. 
The person helping me was very rude and referred to a contract or read it before signing something. When I asked to provide a contract she told me that I have to get it from bankofamerica.com or go to the local branch. ( I have a recording of the entire conversation ). It turned out the signed contract is missing from the bankofamerica.com website. I also went to the local branch to request the contract and the person helping me said that they do not provide contracts in the bank. It turned out I needed to make an appointment with the branch to request the contract. 
The bottom line, the bank refuses to reverse offset charges and refuses to provide signed contract.