davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE ALL HARD INQUIRIES FROM TRANSUNION THERES ( 11 ) UNAUTHRIZED XXXX Miscellaneous Personal Services Other Than Medical XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX  Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX Hardware Stores XX/XX/XXXX TransUnion XXXX Miscellaneous Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXXredit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Banks XX/XX/XXXX TransUnion XXXX Sales Financing XX/XX/XXXX TransUnion
Consumer complaint received 2023-01-22
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. (IN)

In accordance with the Fair Credit Reporting act convergent, Account : XXXX 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.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

Dear XXXX, I am writing to bring to your attention a concerning issue regarding my Citi credit card account and the XXXX Account Number feature provided by Citi. 

On XXXX, I deactivated a XXXX  Account Number ( XXXX ) created with Citi, which was used for a trial with the merchant XXXX. Despite deactivating the account and setting a hard limit of XXXX, Citi allowed XXXX to process charges after the deactivation date and in excess of the preset limit. This directly contradicts the assurances of account privacy, security, and user control promised by Citi through the XXXX Account Number feature. 

Specifically, there are XXXX charges totaling XXXX, dated XXXX, XXXX, XXXX and XXXX. All XXXX charges were incurred after the account deactivation date and exceeded the set limit. This situation represents a breach of contract and false promises made to the user. 

Therefore, I am formally requesting a refund for these unauthorized charges. I trust that Citi will promptly address this matter and take appropriate action to rectify the situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NV)

The below listed collection companies can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the XXXX  and income can not be reported. The XXXX  Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate. By Definition, the XXXX  Clearly says a Cancelled debt or XXXX off is Income. The reporting of these account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX nor XXXX XXXX XXXX XXXXXXXX for the cancelled debts in order to file as ordinary income. Where is my XXXX from these collectors? Where are any copies of the XXXX forms they were required to submit? They are clearly writing off debt with the XXXX  without sending out XXXX as required by the XXXX  for XXXX greater than XXXX ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst. 

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the XXXX credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : JEFFERSON CAPITAL SYST Balance XXXXXXXX Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance XXXX Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Balance XXXX Balance updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance XXXX  Balance updated XXXX XXXX, XXXX
Consumer complaint received 2023-08-30
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: Synovus Bank (ID)

i was charged tons of ridiculous fees and charged for credit to balance fee for {$48.00}, what is that and why was i charged for it and how can i get it refunded??
Consumer complaint received 2023-11-21
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STELLAR BANCORP INC. (TX)

I am writing to dispute the recent reporting of an account on my credit report under your company 's name. It has come to my attention that this account, XXXX, was previously reported by your company under a different name over XXXX years ago. 
First and foremost, I want to assert that I have never had an account with Stellar Bank, the name under which this account is currently being reported. Therefore, the re-reporting of this account under a different name raises significant concerns regarding the accuracy and legitimacy of the reported information. 
According to the Fair Credit Reporting Act ( FCRA ), negative information such as delinquent accounts should be removed from a consumer 's credit report after seven years from the date of the delinquency. It has been brought to my attention that this account has now been re-reported by your company, albeit under a different name, thereby extending the negative impact on my credit report beyond the legally mandated timeframe. 
Furthermore, this practice raises concerns regarding compliance with FCRA guidelines and the accuracy of credit reporting. The re-reporting of the same account under a different name suggests an attempt to circumvent the statute of limitations on credit reporting, which is both unfair and in violation of consumer rights.

I request that you investigate this matter promptly and provide clarification on why this account has been re-reported under a different name after the initial reporting period had elapsed. Additionally, I urge you to cease reporting this account on my credit report and take appropriate steps to rectify any negative impact it may have caused. 
Please provide written confirmation of the actions taken to address this dispute and ensure that my credit report reflects accurate and fair information in accordance with the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 




Account info Account name XXXXXXXX XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$270.00} written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1000.00} Highest balance {$1000.00} Terms - On record until XX/XX/XXXX Account info Account name STELLAR BANK Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Open. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Original balance {$1000.00} Highest balance - Terms-
Consumer complaint received 2023-03-12
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. (GA)

In accordance with the Fair Credit Reporting Act and XXXX Account # : XXXX, XXXX # : XXXX, XXXX XXXX INT # : XXXX XXXX XXXX # XXXX and XXXX XXXX # 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 an account without my written instructions
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (CA)

The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

FAIR COLLECTIONS & OUT - XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

I requested my report from Lexis Nexis and to opt out of them selling my information four months ago. They have since failed to send my report or grant my request to opt-out and continue selling/sharing my information with third parties. I recently requested the report for a second time. I have NEVER given Lexis Nexis permission to obtain or share my information with anyone, and can not figure out how they can. arbitrarily obtain and sell my information to begin with. This is a VIOLATION of my privacy according to California law! I appreciate any assistance you can provide. 
Kindly,
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (IL)

XXXX mortgage services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Consumer complaint received 2017-09-14
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: Resurgent Capital Services L.P. (TN)

There is an account listed on my reports from Pinnacle LLC that should not be reporting. The Federal Trade Commision has stated in federal court orders that Pinnacle is prohibited from participating in debt collections.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, 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. (NY)

I am getting XXXXXXXX XXXX XXXX statements with my credit Score on them. 
They use transunion. I confirmed with them that they show my information as blocked and were confused why they were getting that info from Trans Union. They said to call them. 

Trans Union- forced me into a text service for customer support. 
They had no idea how, with a credit freeze, XXXX was getting this information. They then asked me for my private info, ( which they're own text service instructions said not to give that over text service. ) So I gave up with them. 
My question is how is Trans Union giving my credit score information to XXXX? I have confirmed my credit information is Frozen.

Doesn't Frozen mean Frozen?
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP (NY)

XX/XX/2018 I went to the XXXX XXXX XXXX branch of XXXX XXXX XXXX to withdraw funds in the form of certified checks that I needed to sign an apartment lease. The bank employees told me that there were technical issues and they could not issue me the certified checks. They would not issue money orders and did not have the cash on hand. They said the other branches had the same technical issues. 
When I got home I tried calling their customer service number repeatedly and it would hang up on me. I tried to access my account online and kept getting an error message. 
This morning, XX/XX/2018, I called the XXXX branch to ask if the issue had been resolved and they told me it had not. I continued trying to contact their customer service and each time I am cut off. 
I do not understand how a bank can refuse me access to my funds and other basic services for multiple days. Also, they should at least be able to address my concerns through Customer Service or at the very least send out a communication to all customers that there is an issue and they are working to resolve it.
Consumer complaint received 2023-04-20
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX & XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

My insurance company remitted a loss draft payment payable to my self and my Servicer Shellpoint Mortgage. Despite approval issued and almost a year now Shellpoint has not released the funds to me. I have paid for the repairs out of pocket, provided them invoices, allowed their third party inspector to visit our home and take photos and confirm work is complete. The Loss Draft department at Shellpoint has told me in writing that the release has been approved and they simply " dont know '' what the problem is nor when it will be resolved.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Upon checking my consumer report, I have become aware of this error, false and misleading information of this collection account : Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Additional Address listed Midland Credit Management XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX MI XXXX under the FCRA request, Failed to provide legal validation & verification from my request on XX/XX/2024 & XX/XX/2024 sent via XXXX XXXX XXXX to Midland Credit Management, this is ruining my reputation, caused XXXX XXXX XXXX and is damaging my XXXX XXXX by keeping me from getting new credit for personal family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce deletion of this account. 

Thank you.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called COAF to ask for a deferment on the month of XXXX 's car payment. I had also explained to them that I lost my job the same month and I won't be able to make my payment this month, but should be able to get it back on track next month. Capital One informed me that they are unable to offer any hardship assistance at anytime unless my account is already delinquent. So I was instructed to make my account delinquent by Capital One. I made a phone call today XX/XX/2024 at XXXX which is XXXX days pass my due date and I got told that capital one doesn't offer deferments but loan extensions. The operator asked me a series of question and then explained that it is system generated and I do not qualify for the loan extension. Now my credit is at risk because I was instructed to let my account become pass due to receive assistance that they now refuse to offer. I do have a 15 day grace period however, upon expiration of that I will be charged a late fee. It seems as though Capital One is looking to enrich themselves by instructing customers to become delinquent in order to receive help that they don't offer.
Consumer complaint received 2023-08-25
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: JPMORGAN CHASE & CO. (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 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 2024-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

I received a debt collection letter from Capio Partners LLC acct # XXXX dated XX/XX/2024. This bill had been paid in full to the hospital on XX/XX/2024. Capio Partners then placed a collections on my personal credit report. I contacted Capio Partners to inform them that they were inaccurately reporting a collection on my credit report. They asked I mail them a copy of the payment to a XXXX XXXX XXXX I did. I also emailed them proof of payment to XXXX separate email address that they provided. I followed up several days later to confirm that they received proof of payment and they confirmed that on XX/XX/2024 they had received proof of payment and would review my file. Today on XX/XX/2024 they have not removed this false collection from my credit report. I contacted them today XX/XX/2024 and again they acknowledged receiving proof of payment but have made no attempt at removing this false claim from my credit report.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (CA)

Per the attachments, I requested the balance on my Comenity VISA to be distributed to me. Per federal law, Comenity has seven business days from the date of my acknowledged notice of XXXX to have mailed to me my balance. Seven business days would be XXXX. Because I did not receive my money from Comenity by the required time, I had to take an advance from my XXXX credit card, pay a 3 % advance fee, and pay 29.99 % interest. I am damaged by Comenity 's intentional act to ignore federal law. 

Because close to 24 hours have passed and my official notice of my request to close my Comenity Visa has been ignored by Comenity, I have attached that message here.