davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (TX)

Subject : Urgent Report Regarding Fraudulent Activity and Identity Theft Dear [ Consumer Protection Bureau ], I hope this message finds you well. I am writing to report a case of identity theft and fraudulent activity involving XXXX XXXX XXXX XXXX credit. I have diligently tried to resolve this matter directly with the involved parties, but unfortunately, my efforts have been met with significant challenges. 
Here is a detailed account of the situation : Fraudulent Account Creation : I never applied for a credit card with account number XXXX from XXXX XXXX XXXX XXXX. However, an account was created without my consent, and XXXX XXXX reports it as if it belongs to me. 
Employment Related Issue : I was an employee at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ). During my employment, the managers, including the general XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX, misled me into applying for a credit card, which resulted in the unauthorized creation of the account. 
Unauthorized Credit Card Issuance : After applying for a XXXX, XXXX XXXX issued me a store credit card without my permission, claiming it is an automatic approval if the XXXX application is denied. This practice seemed irregular, and when questioned, the general XXXX dismissed my concerns. 
Stolen Car Incident : Following my resignation, my car was stolen out of XXXX XXXX XXXX employees private parking lot by XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX And XXXX address : XXXX XXXX XXXX XXXX  Tx XXXX where I found my car at and hes ID N : 1XXXX who I believe may have ties to the mentioned managers due to the circumstances surrounding my departure. 
Police Report and Lack of Resolution : I reported the car theft to HPD ( XXXX Police Department ) with report number XXXX, but there has been no resolution. Despite providing all necessary documentation, the case seems to be in limbo. 
Unresolved Credit Issue : XXXX XXXX 's investigation into the fraudulent account has yielded no results, and they continue to insist that the account belongs to me. 
I have exhausted all available avenues to resolve these issues, and I am now seeking assistance from the Consumer Protection Bureau to investigate and intervene in this matter. I have retained all relevant documentation, including screenshots and records of conversations with the XXXX XXXX XXXX managers. 
Your prompt attention and assistance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

My complaint is with Wakefield Associates, I owed an doctor bill with XXXX XXXX Hospital for my daughter for which I paid by check directly to the hospital. I contact the credit bureau and collection company of two issues regarding the inquirer on my credit report. One, to inform them of paying the bill in full directly to XXXX XXXX Hospital and I provided them my check number, date of when I wrote the check along with the name of the bank I wrote the check on to the representative. Second, I informed the representative that the balance for bill is not correct and I also sent email them a copy of my orinigal bill along with my proofs of the cashed checks from the hospital and requested for them to update my credit report. It still has not been done nor is it correct.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect (IL)

I have sent a debt verification letter on XX/XX/2021 they received it on XX/XX/2021. Ithe company sent me a bill of XXXX instead of the information I ask for. They did not validate the debt.
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

I have supplied a paid in full letter from XXXX XXXX to all 3 credit reporting companies, all 3 came back and reported I still have a XXXX balance and will not correct my reports.. They continue to report late payments for XXXX, XXXX, XXXX Even though I paid balance off on XX/XX/2023 as shown in XXXX XXXX letter..
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-17
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: NCC Business Services, Inc. (TX)

Hello, I am not usually someone who likes to complain or file complaints but I felt compelled in this situation because of the circumstances and the situation that I now find myself in. I am writing about a paid collection account with NCC Business Services. I paid this collection as soon as it was brought to my attention. This account is stemming from an old apartment that I had a balance with. I had no idea that I had a balance with them. I sent them the last payment and thought that the any monies owed were taken care of. As soon as it was brought to my attention I took care of this account and I thought that the matter was resolved. My credit score has dropped about 90 points as a result of this paid collection reporting on my credit report. Prior to this, I had no idea and I didnt receive any notification, written or verbal that I can recall in regards to this account. I cant help but feel a little cheated here because I am now trying to purchase a home for my elderly mother who is XXXX   and XXXX  and whos medical needs require her to live in close proximity to her medical providers office. I dont know why this systems works in a way where you are still punished for taking care of any obligations let alone obligations that you had no prior knowledge or awareness of. Seeing my mothers health decline has taken on a very heavy toll on me and Im beyond frustrated that Im unable to give her a qualify of care and comfort that she deserves due to one paid collection account that will not be deleted from my credit report. 

I ask that someone please assist me by putting in a request to remove this account. I hope someone can find it in their hearts to do this.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BARCLAYS BANK DELAWARE (NY)

I am a flight attendant living out of state in base. My husband has been doing the bills. This week we received a notice from the collection agency XXXX XXXX. Prior to this, we received no notification that our automatic payment is no longer attached to the new XXXX credit card. Therefore, we haven't been paying the bill since XXXX. The collection agency is the first notice we received. I called XXXX today, XXXX and spoke with XXXX. He said that someone attempted to call, yet we have no voicemail or notification to prove it. He then transferred me to XXXX who is in collections through XXXX. She said that there were XXXX letters sent. We said that we never received those notices even though the correct address was verified. I asked if she could email them to me. She said it would take a bit but she would do it. It is now XXXX as I have waited over XXXX hours and still nothing is in my inbox. I find it a bit suspicious that she said she had these documents yet they can not be forward in a timely manner making me think that they actually don't exist. Then my husband XXXX XXXX called XXXX today. He spoke to XXXX in account release. XXXX stated that XXXX doesn't have to notify us of missed payments and then lectured him about paying bills. If you check our XXXX XXXX, I was XXXX points away from a perfect score. We are not delinquints. We had an issue with XXXX with this new card. A payment of {$1600.00} was sent in XXXX but went to the old account and not the new one. I called every XXXX weeks to try and resolve this issue in which they could not find this payment. Not once did anyone say my account was disconnected. I finally resolved it last month using my bank. 

I am very dissapointed with XXXX to say the least. I do not mind paying what I owe and would pay it immediately since this is the first time I have been made aware. What I do mind is the {$360.00} fee charges when we didn't even know we were delinquent and given the chance to rectify. This is very poor business and seems like a scam to make money. 

I will be out of the country now for a while so I would be XXXX weeks delayed in any response. My husband XXXX XXXX is available. HIs phone number is listed. His email address is XXXX XXXX
Consumer complaint received 2023-03-24
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. (CA)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MO)

I received on my email that an inquiry was placed on several of my credit reports with XXXX, XXXX, and XXXX on XX/XX/2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. One main Financial placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXX Owed : {$25000.00}.
Consumer complaint received 2021-08-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BMO Bank, N.A. (TX)

XX/XX/2021 BMO Harris Bank has CD policy that auto-renews the term without providing notice to the customer. The funds are then locked in for another year automatically.

When asked about this they say there is a 10day grace period from the day the CD matures to withdraw your funds without a penalty.

This is essentially restricting access to your funds - without your consent.
Consumer complaint received 2023-09-08
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. (FL)

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

Sometime before XX/XX/XXXX, I purchased a {$50.00} Vanilla Visa Card from XXXX. When I went to use my card, the money was already taken off the card by somebody else ( fraudulently ). I contacted the company that issues the card ( XXXX Payments ) on XX/XX/XXXX ( Dispute Case # XXXX ). On XX/XX/XXXX, I was told that i would be receiving a replacement card within XXXX days. It is now XX/XX/XXXX, I have called the Company several times, and I have still not received a replacement card. When I called the customer service line, I was put on hold for 1.5 hours. I would like the Company to send me my {$50.00} immediately with tracked shipping.
Consumer complaint received 2023-09-08
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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (NJ)

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. 

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-20
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-08
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. (MS)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX have not allowed me to access my credit report online for over XXXX years. They are the only bureau that is currently reporting an item that has in dispute with XXXX XXXX as negative impact. I can not dispute their report online, the site list identity verification failed ( they did not provide any question for verification, I even validated the code they send via email ). 

This inconvenience is making it difficult to dispute inaccuracy, I have also asked XXXX to correct my name, I do not have any aliases I only go by XXXX XXXX XXXX XXXX my legal name ) ; XXXX XXXX is not my name ( it is the company incorrectly dropping part of my last name )
Consumer complaint received 2023-09-08
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. (GA)

In accordance with the Fair Credit Reporting Act : The list of accounts provided below has infringed upon my federally protected consumer rights regarding privacy and confidentiality, as outlined in 15 USC 1681. 

The following account, identified as XXXX XXXX account number # XXXX, and XXXX account number XXXX has violated my rights. 

Section 602A of 15 U.S.C. 1681 confirms my entitlement to privacy.

Furthermore, in accordance with Section 604A, Section 2 of 15 U.S.C. 1681, it is explicitly stated that a consumer reporting agency is prohibited from furnishing an account without my written instructions.

Additionally, as per Section 5 of 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency is allowed to include certain types of information in a consumer report, except for records of convictions of crimes that occurred more than seven years before the report.

Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is mandated that no individual should provide information related to a consumer to any consumer reporting agency if they possess knowledge or reasonable cause to believe that the information is inaccurate.