davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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: I.C. System, Inc. (GA)

As of XXXX XXXX XXXX collection company I C Systems reported an alleged debt to my consumer report without my written consent 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protectedERs consumer. NO CONSENT IS IDENTITY THEFT. As a cons men am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc. (GA)

I engaged with Transformers for an emergency loan in the fall of XXXX. I was approved for the loan and then through the process was advised I needed to add a cosigner which I thought was odd being that I had already been approved. I went ahead and added an additional cosigner to the account since it was an emergency need for funds. 

Since engaging with transform credit, I have requested access to the initial agreement to review since I noticed billing issues and double charges for interest most recently in XXXX after being ahead in payments charged over 60 % in interest charges which is outside the original interest rate. 

I requested a copy of the agreement in XX/XX/XXXX, the agreement that was sent to me was not for my account but for a separate account that I did not authorize. As a result, I put a fraud alert on my social security number and contacted customer service that I did not have any additional loan and requested a copy of my specific loan, which I never received. 

As a result of unforeseen hardship occurring in XX/XX/XXXX, my financial situation changed. In XXXX, I hired a debt management company that has a POA and is legal representation over the debt to negotiate the account to resolve the debt as quickly as possible in lieu of filing for bankruptcy. 

I informed transform credit that I had legal representation and had to join a debt management company. I requested them to work with the attorney from the debt management company to get the account resolved as soon as possible. I also put them on notice that they needed to cease all automatic payment attempts and that they needed to work with the debt management company for payment matters. I also noticed transform credit that they needed to cease contact with the co-signer and me and communicate only with the attorney. 

Transform credit personnel proceeded to e-mail me multiple times and the cosigner threatening litigation, threatening damage to the credit report, threatening to garnish or place lien on assets and more. In addition, sent additional communications that the account would be autopay even after being notified to cease any automatic withdrawals and payments and work directly with the attorney. 

I have attached all relevant documents and screen captures of behavior. I'm deeply concerned about XXXX credit 's stance and what appears to be violations of federal regulations and statutes when I've engaged to trying to have a positive resolution on both sides of the aisle.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (SC)

The bankruptcy is reporting wrong on my credit report. I have contact the credit bureau for the last 6 months to remove it from my credit. They pay me no attention. I'm filing a complaint so that I can get my live better. Please remove the bankrupty off my credit.
Consumer complaint received 2024-04-23
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (IL)

I signed instalment loan documents and never received the proceeds. I am being charged daily interest on a loan I never received loan proceeds for ... this was supposed to be direct deposited. I contacted local office about 5 times and they had to wait for their corportate office which gave a vague, strange and incorect response asking me to take a trace number to my bank to see of my bank could find their deposite. By the way my bank XXXX XXXX XXXX XXXX at local office said that the response from Heights finance corporation was false and that the " trace number '' that was given as a solution could not be accepted at all. Thats how it is left. I signed loan, they got all my information, ran credit and the local office had no direct ability to talk to their corporate office. They have to wait for days for a response from corporate. By the time is over it may be several weeks if ever I receive loan proceeds. In the mean time I have to pay interest accrued on this loan, my credit score was lowered. The local office just tells me there is no solution, they have no ability to contact their corporate directly ( only by email and it takes a long time for a response ) > Company name Heights Finance ( local office in ) XXXX XXXX
Consumer complaint received 2024-04-23
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

17. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

18. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

19. there is some inaccurate information reporting. 
XXXX XXXX  Account XXXX : XXXX Delete this account. 

20. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

21. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act this creditor XXXX/kay has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plam as late for any purpose. 
late payments stated XXXX of XXXX late payments stated XXXX of XXXX late payments stated XXXX of XXXX please DELETE these late payments off my report.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a small business account with Bank of America in the XXXX  of XXXX and closed that account in the XXXX  of XXXX. There was a refund to that account after it closed. Bank of America sent me a check for the balance but made it out to my now closed business. Bank of America refuses to cash their own check. Bank of America has allowed deposits to this account in my name and my business name, since my name and the name of my now closed business are on the account. I've asked Bank of America to take the check back and reissue a check to me personally. Bank of America has refused to move forward in any way. As far as I'm concerned, this stealing. Any assistance in this matter will be greatly appreciated. 
Thanks
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (IL)

The company is Transworld Systems in South Carolina. The numbers they call me from are always XXXX area codes. They have been calling for months and months several times per day each week. They always ask for a different person. I asked them multiple times to remove my phone number from their records but they continue to call. I do not have any collections or outstanding debts. They don't ever ask for me. This needs to stop as these people are harrassing me with multiple phone calls. I am on the Do Not Call List but apparently they don't look or care.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

account/contract number : XXXX and XXXX I see that JPMChase has reported the account as Closed/Charged off which prompts me, the consumer, to request my 1099-c, which under Uniform Commercial Code is federal required to be provided. Pursuant the Articles of the Uniform Commercial Code, not providing consumer with 1099-c is a violation punishable under federal law.

I have also requested the full accounting pursuant Article 9 of the Uniform Commercial Code which is not the payment ledger. The full account shows the bookkeeping log for the mentioned accounts.

I have sent instruments to JPM Chase also to discharge the alleged debt via special deposit, which has gone ignored for over thirty days. I have sent out 1040v to the Internal Revenue Service which means the account was credited. See attached evidence. 

I also requested Arbitration with JPMChase and the request was also ignored over thirty days now. See evidence attached.
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (MI)

XX/XX/XXXX  asked for the form to be sent to me and when I click on it, there is no loans available. However, they are asking me to pay on a loan that they say does not exist. It took 3 months to get an answer about the hardship and because I asked for a supervisor it was just a no, you have no available loans with Affirm but if you don't pay it we will go to an outside collection agency.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am minority owner that provides affordable housing in XXXX XXXX. Each month Bank of America place holds on rent checks of minority tenants for AN EXTENSIVE PERIOD OF TIME because they pay rent by United States Postal Money Orders. 

100 % of rent we receive by tenants by United States Postal Money Order are XXXX or XXXX. 

As test I deposited two checks on XX/XX/23. One was a US postal money order. The other was a private check from a XXXX bank account. A hold for over a week was placed on the postal money order. 

While the tenant believes they are providing certified funds for prompt delivery to landlord, Bank of Americas policy necessarily causes a negative impact on minority tenants and minority owners servicing the affordable housing market. 

Bank of America says their policy is JUSTIFIED because the post office takes too long to pay. 

This is utter nonsense because fir clearing funds in deposit each day is simply a function of coding This code has a direct discriminatory impact and has ABSOLUTELY NO BUSINESS PURPOSE. 

Bank of America has a legal obligation to respond to complaints of discrimination. On my recorded complaint it said it did not have to provide a response.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION (CA)

I opened my Suncoast Credit Union Account on XX/XX/2023 from a friend referral online. I subsequently referred out several other members to apply for based on a promotion available to SunCoast Credit Union members. At the end of XX/XX/2023 I notices I was not able to access my online account. Since that time, I have contact Suncoast Credit Union XX/XX/2023, XX/XX/2023, and XX/XX/2023 and been told each time my account is currently under review and due to not being a resident of Florida I do not appear to be eligible to an account with SunCoast Credit Union. I am seeking resolution on having access to my account or funds returned and account closed. It seems illegal to hold account funds for a consumer that is not eligible. Either way, 45 days is an unacceptable amount of time to not have status to my account or access. I am seeking resolution of my account review by Suncoast Credit Union.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (CO)

I received notice that I needed to provide the mortgage servicer updated information on my insurance renewal. I submitted it 4 times, starting in XXXX before the lapse date, and the servicer failed or refused to pay the premium causing the policy to lapse.
Consumer complaint received 2023-11-03
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. (NE)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was approved for a secured credit card with capital one. I paid the required {$200.00} deposit. I use it for a month and paid balance on the first statement. During the second cycle I use the cars and received a restricted alert. Capital one did not explain the reason or purpose but wanted 3 months of bank statements. I provided them with the statement and I was told the documents failed and my account was closes. They haven't told me a reason. I don't have a closing bill or what happen to my deposit.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Procollect Services LLC (ND)

Ive been trying to work with them on payment s offering what i can pay numerous times they declined and said i have to pay what they want and theyve caused me to go negative not be able to go to work due to not having money for gas or rent or any of my bills. I have no idea what this debt is and they refuse to tell me
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abrahamsen Gindin LLC (PA)

We are aware of debt that we incurred during a very difficult time through XXXX. For a year or more we have taken NUMEROUS threatening calls from XXXX XXXX. The attorney and his assistant have threatened to sue. Seize our property. We have offered payment arrangements serval times and even promissory notes to these arrangements. They agreed every time to go back to XXXX ( The company ) and offer what we extended and stated we could afford. I never wanted to over promise or under deliver. Its been long enough. 

I do not understand his ridiculously rude tactics. XXXX XXXX follow through, and the threatening has become overwhelming and is affecting my mental health, I have filed this complaint once before on XXXX. I got a confirmation that night that the submission was received. However, I have received no follow up and when I called customer service today, was told you see my file was created on XXXX but no complaint was received.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently pulled my credit report and realized that someone was using my personal information to apply for credit/loans in my name. I have filed my FTC report for identity theft and have notified all the credit reporting agencies of this matter, including sending verification documents to EXPERIAN and they have yet to block the creditors that are in my FTC report from showing up on my report while this is in investigation PURSUANT15 U.S. Code 1681c2 ; 15 U.S. Code 1681e ; 15 U.S.C 1681 section 602 A. 

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