davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : {$470.00}, XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$9800.00}
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I received a phone call on XX/XX/XXXX from a so called Eastern Account Systems. They stated u had an accou t with XXXX that went to collection. I asked them to send in writing to validate the debt they were charging me with and they said that they couldnt discuss my account then. Now this so called company reported to my XXXX report the mentionrd debt that they didnt want to send any type of documentation on by mail or discussed it o er the phone because i refused to give them my social security number o er the phone.
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I have no knowledge of this account that is on my credit profile and would like this to be removed immediately! 

XXXX  XXXX # XXXX
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-04-21
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. (GA)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-09-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Student Aid (USA) Funds (NJ)

I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau, as I have already proven that USA Funds is using another scam on a debt collection process that has already been beaten in federal court against XXXX. The student loans were all procured well before 2005, and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally USA Funds were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named XXXX XXXX. Now USA Funds plays a musical chair approach by seeing if they can slip in another wage garnishment and they are trying the administrative garnishment process again. This is not only illegal, but this company did a hearing request where I would have to travel out of state to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey. USA FUNDS is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as my 20+ year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period. 
I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed XXXX XXXX. This false administrative collection process is what got XXXX fired by the United States Department of Education as a sanctioned debt collector, and USA FUNDS has no authority from any federal agency to collect on behalf of the taxpayers of the United States. USA FUNDS is not even legally bonded or licensed to do business in the state of New Jersey.

I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY USA FUNDS.

USA FUNDS IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES ACT 45:18-2 AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.

CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST USA FUNDS ILLEGAL COLLECTION PRACTICES!!!

USA FUNDS MUST PURGE MY FILE PERMANENTLY!!!
Consumer complaint received 2023-09-29
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. (MD)

I sent off a letter on XX/XX/. Here are my tracking # 's ( XXXX ), ( XXXX ) To remove personal information i do not want on my credit report. According to the fair credit act 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802.No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 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 2023-04-21
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Interstate Recovery Service, Inc. (OR)

We received a letter dated XX/XX/2018 from Interstate Recovery Service,  NC. They claimed that they were trying to collect a debt for a company called XXXX 'XXXX XXXX in the amount of {$1400.00}. We have never ordered magazines from this company and we certainly would not have ordered {$1400.00} worth. We looked up Interstate on-line and the comments was that this is a fraudulent company. We would like you to investigate them.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 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.

Date open on my accounts are different.
Consumer complaint received 2023-04-21
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. (NY)

In accordance with the Fair Credit Reporting Act, the below accounts as I have outlined strategically, violated my consumer rights as protected by federal regulations, to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First of all, 15 USC 1681, section 602 A states : As consumer, I have the right to Privacy.

Second

ly, 15 USC 1681, section 604 A, sub-section 2 states : A consumer reporting agency can not furnish an account of mine without my WRITTEN instructions.

Thirdly, 15 USC 1681c ( a ) ( 5 ) 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 Conviction of Crimes which antedates the report by more than 7 years More importantly, 15 USC 1681s-2 ( A ) ( 1 ) states : 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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Improper use of credit. I was never late on the paid off account listed above. Please show me proof with documentation showing on a transition that shows I was late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged payment from my credit report. Thai also violates 15 US Code 1666B with timing of payments.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (CA)

This is my Follow-up 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I traded in a vehicle back in XX/XX/XXXX and the agreement was, XXXX XXXX was going to pay off the remaining loan on the car I traded in which was a XXXX XXXX XXXX. XXXX has had possession of this vehicle since and was suppose to pay off the loan. They did send out a full payoff check but for whatever reason, Capital one returned the payment to XXXX and only partial of the loan was paid off. I had a remaining of around {$3000.00} to be paid off and it has gotten to the point its effecting so much of my life. I cant even get a place to stay applying for apartments. It has a past due delinquency balance since XXXX being the first month it reported late. Every time I would reach out to the dealership.. I always get a response what is your phone number and Ill have the team reach out to you I have text messages showing how often I would reach out to the manager at that location about my problem and he would say its sent out or it will be taken care of and it never got resolved. Capital one has threatened me of repossession on my report on a vehicle I already sold to XXXX. This has been stressing me out so bad that I have no more options since nobody at the dealership is willing to help. According to the manager, he is unable to give me any phone numbers to get this resolved. I need somebody to reach out to me asap about this matter. I have been dealing with this for 7 months now and its not fair that something I have no control over, is reporting on my credit as negative. Please can somebody help me with this asap. This has been going on way too long. Its hard to be patient at this point. Especially when it has effected my life in so many ways. The level of frustration and having to deal with unprofessional behavior at the dealership. Promising me that they will help and never even return my calls. Cant even provide me any information to ge this resolved. This loan needs to be paid off immediately. I have attached proof of when XXXX sent out the check in full amount to pay off the vehicle, how the payment got returned. XXXX then sent out a partial payment with remaining balance of over {$3000.00}. Ive also attached proof of text messages of how many times Ive reached out to the sales manager that sold me a vehicle with a trade in.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

I review my credit report daily. I checked my credit report with XXXX where I have a fraud alert placed on my file. I found an inquiry was accepted by XXXX from JP Morgan Chase. There was also a bank account opened in my name as a result of this transaction. The first name on this account was XXXX XXXX and obvious error in the misspelling of my first name. I have never applied for nor authorized my social security number nor personal information to be used by JP Morgan Chase. I called the bank phone number XXXX XXXX XXXX XXXX on XXXX XXXXXX/XX/XXXX and was transferred to a wrong department and this department then transferred me somewhere where I sat in silence for XXXX minutes. I could not speak to anyone who would help me resolve my issue.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I was scammed. I deposited a check of {$3800.00}. Bank of America put the check on hold when deposited into my account. I was asked to wire {$1000.00} to a XXXX XXXX. This was actual money I had in my account. Now the Bank says I owe them {$3800.00} that I never spent. The check was on hold the entire time. I never spent any of the {$3800.00}. Why am I responsible for the money I never spent but was on hold the entire time. I feel like I am being scammed by Bank of America all over again.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a credit card with Bank of America. I had some problems accessing my online banking so I contacted customer service ( XXXX from California ) on XX/XX/2018 at approximately XXXX XXXX. As I was speaking with XXXX who was helping me regain access, a question popped up requiring me to provide my " citizenship status ''. I asked the representative if I was required to provide that information and she said that I was required to provide it. I refused to provide my citizenship status. I don't feel that a credit card company should have a right to inquire about my citizenship status! I called back to file a complaint about 15 minutes later and then was told that Bank of America could ask about " dual citizenship '' because they needed that information due to federal regulation. The question did not ask only about " dual citizenship '' but about both citizenship and dual citizenship. I feel like these questions violated my privacy.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Notice to all, I, am that I am, the consumer in fact natural person, original creditor, lender, executor, administrator, holder in due coarse for any and all derivatives thereof the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XX/XX/year> XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth In Lending Act is intended to secure and inform the use of credit results from an awareness of the cost thereof by consumers. It is the purpose of The Truth In Lending Act to assure meaningful disclosure of credit terms so that I, the consumer will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me as the consumer against inaccurate and unfair credit billing and credit card practices. My right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy wont be violated again due to my lack consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A COLLECTION AGENCY is in violation of 15 usc 1692b ( 5 ) Thank you, XXXX XXXX