davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc. (TX)

I had XXXX for XXXX on XX/XX/XXXX. XXXX accidentally denied my claim as filed by the XXXX. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to refile with XXXX as I did have coverage until XXXX. They did not. After months of asking and not getting anything done, XXXX XXXX XXXX turned my account to Synerprise Consulting for collection. After dealing with them with no results, they turned me over to XXXX. On XX/XX/XXXX, XXXX paid more than the amount on my account. I sent copies of XXXX  to all parties by email as requested. Today, XX/XX/XXXX, XXXX says my debt is verified as correct. I sent by certified mail the XXXX and a letter from XXXX to all parties.
Consumer complaint received 2023-04-22
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. (IL)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, convergant account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. If you have any questions I can be reached at
Consumer complaint received 2023-04-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCS Financial Services, Inc. (MS)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that Credit Collection Services at XXXX XXXX XXXX, XXXX, MA XXXX XXXX exercises their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation.

You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt.

Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below.

Defamation of character Negligent Enablement of Identity Fraud Damaged credit worthiness Damaged mode of living Infringed on right to privacy Fair Debt Collections Practices Act 15 USC 1692g violationsFair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] cc : FTC cc : State Attorney General cc : CFPB cc : CFPB SUPREME COURT cc : Lafayette County Circuit Judicial District Court cXXXX : Attorney : XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WV)

Ive had identity theft issues for the last six years and I have recently seen that someone has used my identification possibly at a Car dealership as well as a local bank or several local banks. There are three people of interest including a VA revenue of XXXX XXXX and XXXX XXXX as well as XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-11-15
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. (NJ)

I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( XXXX XXXX ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (TX)

Im working with a debt resolution company called XXXX XXXX XXXX XXXXXXXX. Citi card is one of my debts I have enrolled to pay off. Ive been enrolled in this program for over 6 months & I make monthly payments to them. Citi calls me multiple times a day and leaves voicemails. Citi calls me 7 days a week from different phone numbers which Ive blocked. Ive contacted Citi multiple times & explained my financial situation and Im working towards paying them off. Ive given the ACCS phone number to verify my enrollment in the company, yet the calls continue. I called Citi again yesterday XX/XX/XXXX & reiterated my situation and a representative told me to get a power of attorney statement & send it to them. I told the representative that if I could afford an attorney I wouldnt be in a debt resolution program. Ive been dealing with Citi never ending harassment for over 6 months. It is nerve wracking at this point. Im a senior on a fixed income and Im doing my best to resolve my debts. I simply want the volume of phone calls and voicemails to stop.
Consumer complaint received 2023-04-22
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: SANTANDER HOLDINGS USA, INC. (IL)

On XX/XX/2023, I mailed a detailed certified letter to Santander Consumer USA stating that they violated my consumer rights. 
15 U.S. Code 6802 Obligations with respect to disclosures of personal information 15 U.S. Code 1681Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
I requested that Santander do an investigation and provide documentation that they were given written consent to report my transaction on my consumer report. I asked for permissible Purpose documentation. and they are willfully in noncompliance and that they are liable for the sum of {$100.00} and not more than {$1000.00}. 

On XXXX XXXX Santander Consumer USA acknowledge that they did receive my letter and gave me copies of my transaction history. Santander Consumer USA failed to provide verified documentation. such as disclosure documents or permissible purpose documents. in fact, they stated how I could file a dispute letter, which was irrelevant because they were responding to my dispute letter.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc. (CA)

Debt owed to original company was charged off, paid, then sold. I'm not liable for this debit with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with the collection agency that's trying to collect this debt. They did not provide me with the original contract as requested.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Someone showed up to my XXXX old house, claiming to be a debt collection lawyer and that I owed them. I do not live there, and they told the person they talked to that I owed them money, and were a debt collection attorney. While it may be an actual attorney, I doubt they would send XXXX to an old address.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

In my entire history of using credit cards I have always paid my dues on time and in full. For the XXXX XXXX XXXX XXXX XXXX  Credit Card ( issued by Comenity Bank ), even after I mailed the check well in time ( on XX/XX/XXXX for a due date of XX/XX/XXXX ) I monitored for the check to clear on time and when I saw that it hadnt cleared I called to pay by phone to avoid any late fee and interest charges and put a STOP PAYMENT on the check after discussing with the agent. It is unfair for Comenity Bank to then slap {$30.00} as charges for the returned check even after receiving the payment in full and before the due date for no fault of mine. I have had multiple conversations with the Comenity Bank customer service agents, senior account specialists and supervisors who empathise with me and agree that I should not have been charged this fee and keep promising a resolution and keep asking me to call back the following week - this hasn't yielded any results. On XX/XX/XXXX I was told that they will not take of the charges and will slap on additional late fee and interest charges in a very rude manner.
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio continues to call me about a debt that is at least XXXX XXXX XXXX, well beyond all statutes of limitations. They call me multiple times a day about this zombie debt. I have requested that they stop calling me numerous times.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

I went to the atm on XX/XX/2023. I made a deposit of {$1000.00}. All bills were of {$100.00} The machine took my money and did not credit my account. This is alot of money that is missing. I need my money as I have to pay bills and rent. This should not be taking so long. I have called and all they say is that it is under investigation.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 2nd endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
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: Experian Information Solutions Inc. (CA)

I am writing to formally dispute XXXX hard inquiries on my credit report by XXXX XXXX XXXX It has come to my attention that my credit was checked twice by XXXX. I believe this to be an error on their part, as they took an excessive amount of time processing my application and had inaccurate information in their system. 
During a recent visit to a local XXXXXXXX XXXX branch, I spoke with a manager about the incorrect information on my consumer profile from XXXX XXXX An employee at the branch mentioned that she had experienced the same issue on her profile and attributed it to an outdated system that had not been updated correctly with the new processing system from XXXX. This conversation further supports my concerns about the accuracy of the information on my credit report and the unauthorized inquiries. In addition this concerns me greatly as I am a previous victim of identity theft. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may furnish a consumer report only for permissible purposes, which include a legitimate business need for the information in connection with a business transaction initiated by the consumer. My understanding is that multiple hard inquiries within a short timeframe for the same type of credit product should be treated as a single inquiry. The two inquiries in question were performed on XX/XX/2023, and XX/XX/2023, by XXXX XXXXXXXX XXXX I have not authorized any additional credit inquiries from XXXXXXXX XXXX or any other financial institution during this period. 
Pursuant to the FCRA, 15 U.S.C. 1681i, I request that you investigate this matter and remove the hard inquiries from my credit report. As a consumer, I have the right to dispute incomplete or inaccurate information on my credit report, and consumer reporting agencies must conduct a reasonable investigation to determine whether the disputed information is accurate. 
Please find below my personal identification information to assist in the investigation :
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (AK)

Upon knowledge of this alleged " debt '', I sent this company XXXX letters : Validation of debt and Debt Disclosure Statement. Both of the letters I sent were notarized and certified mail return receipt. The only thing I got back was a few printouts of what I " owe ''. That is not validation of debt or disclosure of signatures, time, place, creditors, etc. This company still has an active collection on me and is still attempting to bill me for the {$2200.00} " debt ''. This is not fair, not real, and I'm not paying anything that's not legal and official.
Consumer complaint received 2023-08-31
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. (MD)

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.

4
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

On XXXX I accessed my Experian credit report thru XXXXXXXX XXXX XXXX website. Because my report has inaccuracies, I repeatedly contacted Experian but none of their phone numbers lead to a LIVE person, none of the numbers contain a variety of options AND Experian doesn't respond to emails. I'm literally " blocked '' from accessing my longtime online account. 
I'm just trying to Login and Dispute some information.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

I am writing to inform you that a credit card account was opened in my name from USBank on XX/XX/2015 without my consent. I recently became aware of this fraudulent activity and am taking immediate steps to address the issue.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OR)

Hello, I have been using my American Express Business Rewards Gold Card for nearly 3 months and have met the spending requirements to meet the promotional bonus. My Membership rewards was under review for nearly 2 months to make sure I have met spent requirements. I have spent well over 5000 dollars on this account and I am requesting my membership rewards bonus to be put into my account. I have been told a number of things from various representatives from XXXX and I am very disappointed. Thank you for your time reviewing this
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I 've had a Southwest credit card with Chase for several years now. When I opened the account I was told there would be no annual fee yet I 've just discovered that they have charged me a {$99.00} annual fee three times ( since 2015 ) without my knowledge or consent. When I contacted them after realizing this I was told that the fee for the first year was " waived '' and that they will not waive or refund the fees. This is classic bait and switch and a clear violation of UDAAP.