davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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. (IL)

I didn't authorized these accounts on my credit report. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX  and XX/XX/XXXX  I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please. 

Collection : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX and XXXX I was a victim of identity theft. Someone got a hold of my personal information and started making transactions through the XXXX app. They also used my debit card to make purchases at XXXX. The amount transferred through XXXX was {$4500.00} and the transactions at XXXX totaled to {$1400.00}. On XX/XX/XXXX I noticed my account being debited to negative amounts, I called to file a claim of fraud activity on my account. On XX/XX/XXXX after speaking with a few employees from Citizens Bank explaining my situation I was finally allowed to file a fraud claim to retrieve the money that was taken from me, both from XXXX transfers and the XXXX purchases. On XX/XX/XXXX I received a determination letter from the Citizens Bank fraud department stating that they can not credit the money back into my account because there is evidence that I was the person making the transactions which is not true, I am a victim of identity theft. Upon further examination of the letters I realized that the claim I put in over the phone for the XXXX transactions was not even processed and I only got a determination for the XXXX transfers. Upon receiving the determination, I called to re-open the claim and to see any documentation that led to the decision made. I was told that someone would call me and go over the evidence and see if they could do anything to help right after I re-opened the claim, but nobody called. The employees at Citizens Bank literally left me stranded. Instead of taking responsibility and following their own terms and conditions they made personal judgment and decided not to help me initially as if they were trying to cover something up. I think they initially decided not to file my claim for the XXXX purchases then waited to send me a determination knowing that I have 14 days to file a claim of unauthorized activity. The date on the letter says the XXXX of XXXX but I received the letter on the XXXX of XXXX it does not take 7 days for a one-page letter to go through the mail. This conclusion has brought me to CFPB to settle my dispute.
Consumer complaint received 2024-03-28
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 2024-03-28
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (VA)

XXXX. I been on the phone holding for 4 hours and then today XX/XX/XXXX over 6 hours trying to talk with someone in the credit department at XXXX. I was told that FedLoans had my student loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that FedLoans are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan student loan people ( FedLoans who transfer or sold my loan to XXXX ) to get it resolved bc it is FedLoans mistake.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (MI)

CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX Notice by phone/ Company called varies times with harassing back to back phone calls.

Written letters sent to prove the allege debt with original documents. dates are included with attachments. Pursuant to U.S.C 8. I owe no debt. This company is violating
and harassing my Federally protected rights As a creditor and consumer with bills, calls and emails. I have no contract with this company.

15 U.S Code 1692e- False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. Without limiting the general application of the foregoing.

Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

NOTICE TO CREDITORS, BORROWERS, DEBTORS : Any and All things held in the name of XXXX XXXX XXXX or any variations as in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Are held in a Living Trust and I XXXX XXXX hold account to all surety and equitable value to all instruments declared or redeemed as security.
Consumer complaint received 2024-03-28
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. (CA)

I would like to dispute the late payment entries recorded on my credit report. These late payments occurred due to a tragic event that impacted my financial management capabilities. The bank associated with these late payments has agreed to remove them in light of the circumstances. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections 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 2023-11-15
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. (GA)

IN ACCORDANCE WITH THE FAIR ACT CREDIT REPORTING ACT XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (FL)

I am asking for debt validation According to 15 USC 1692g send me a detail list of history of payments made by me on this account I also would like to see the signature that i put on a contract guaranteeing i would pay creditor I ask to see if there has been any insurance claim found on this debt I also want proof that you have a chain of title to collect on this debt original creditor Genesis FS card services inc date opened XX/XX/year> address XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX NJ XXXX phone number XXXX XXXX
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. (CA)

The following accounts are fraudulent. They were opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

These accounts are reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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: CITIBANK, N.A. (KS)

XX/XX/23 I purchased 4 tickets to a concert totaling {$2800.00}. I received all 4 tickets. As a feature on their website the buyer can send the tickets to the other attendees in advance. I followed the process online to transfer electronically send the tickets to the other 2 attendees. That process was successful. After a few weeks 2 attendees were not able to attend the concert. I immediatly notified XXXX XXXX and asked what my options were. They said I could request the 2 tickets to be electronically returned to me and that I could sell the tickets on their website. The 2 parties completed the transfer and they no longer had access to the tickets. I tried to retrieve the tickets and the option to retrieve the tickets was " dithered out '' not highlighted and I could not reclaim the tickets. These calls went on with XXXX XXXX for months leading up until the concert. The vendor admitted they knew I did not have access to the tickets and all the agents said they did NOT know how to " fix it. '' I spoke with countless agents and chatted online seeking assistance to resolve this issue. I asked for a supervisor/manager and was repeatedly told they had no manager/supervisor. Essentially I was charged for 2 tickets that XXXX XXXX XXXX system could not return to me ( the buyer ) to use or sell. Because of XXXX XXXX inability to deliver the goods I still am being billed for the tickets they could not deliver. Eventually I was told by multiple agents XXXX XXXX does not give refunds for any reasons including their own systems error. I tried to resolve this issue with XXXX XXXX and Citi Bank Resolution Department. Citi Bank informed me they could not " make the vendor returned my money '' but graciously placed {$100.00} credit on my account. I did submitted everything Citi Bank required to resolved this situation and was told the vendor does not issue refunds. Although refunds should be issued by the vendor when they can not deliver said goods such as these tickets I paid.
Consumer complaint received 2023-11-15
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. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
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. (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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (FL)

My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-08-30
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)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-22
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 section 6 0 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 plan as late for any purpose.
Consumer complaint received 2024-03-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Direct Portfolio Management, LLC (IN)

I took a desperate loan with XXXX XXXX, XXXX. Usury interest is charged. I made three payments. They now say I owe XXXX and the collection agency they sent the debt to, never contacted me, never left a message, never emailed me and made first contact with my brother on his personal cell. That is unacceptable. 
I have offered to pay {$1200.00} in two payments of {$600.00}. That's it. They've made interest already. They have not responded.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA XXXX XXXX - I specifically requested the card that had an intro apr rate on purchases and not balance transfers. The representative from USAA told me I had a couple of cards to choose from before applying to them and I requested the into apr on purchases, I did not receive that, instead I was given the same card without intro on purchases but for only balance transfers, they totally mislead me. I ended up using the card believing that I had an intro on purchases and utilized a lot of my credit. I was very furious to find out after the fact I charged up many items. I found out by high interest payments, so I called USAA and asked why am I receiving high interest and they told me the terms on the card was for balance transfer. I told them that was not accurate at all, and they need to pull their call and see that I they gave me 3 different cards to choose from and I specifically requested the purchases intro apr. I filed a complaint with USAA and closed out my credit card XXXX XXXX. This was complete predatory lending on their part. I had a follow up call from the office that works with the XXXX office of USAA and they told me sorry but that's the terms, I informed then that was not what I agreed to or I never would have gotten that card. I told them to pull the call, that it was recorded, The representative from USAA said that unfortunately they didn't record the call. I am furious they lied to me and they did record the call, back when I applied for the card the woman told me it was being recorded. This is unsatisfactory business with USAA, I am appalled with their predatory lending practices. I had to transfer my balance onto another card about 75 % of the balance I still owe them about {$4500.00} originally it was {$15000.00}. I am paying 19 % on apr when it should have been XXXX. I want action taken, I am a XXXX  XXXX XXXX, and they can not due his to their target group of veterans which is the majority of their customers and treat us with their predatory lending. I will not be doing business with this company and I am ashamed that they would treat their customer base this way. Please follow though on this and make them do what is right they will not do anything about it. I informed them I would be filing a complaint with Consume Finance Protection Bureau!