davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (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. 

Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT of EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dept of EdXXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXXXXXX 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 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 2022-10-18
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I sold my RV to XXXX XXXX  XXXX for {$48000.00} in last XXXX, and put the check into Bank of America ATM in XXXX. I accidentally use a wrong credit card which was closed by the bank. after I got home I noticed that and then I call Bank of America about the issue, an agent told me that she will transfer the money to my checking account and it will take 10 business days. After 10 days I didn't receive the money, I call the bank again and an agent said it will take more 10 days bc the credit card I used was closed. I wait more 10 days but no money received. I called more time that an agent said the money was sent back to XXXX XXXX, I call XXXX XXXX XXXX store where I sold my RV, and they said no check was returned and the check has been cash out! I was shocked and called the bank again, and an agent said she will send the check to me, and I wait for around 20 days, never happened! Finally I got a letter from the bank, it said the check was sent to a checking account, and I checked the account number, it is not my account number. later on I got a call from XXXX XXXX XXXX store, they finally found the check in XXXX XXXX XXXX store!!! Bank of America has done a horrible job. I called them over XXXX times to ask where is my money and every time I got different answer. Bank of America sent my {$48000.00} back the PAYER and not even give me a notification!!! Those money is our all saving. During the 2 months we have no money in our account, and we have to borrow money from several people and paid them interests to keep our life going! I filled a complain against bank of America, and I demand a 10 % interest for the total amount of my saving. A bank of America agent gave me a call. He was very ruled, and he blames me to send the money to a wrong credit card. and rejected my demand. and closed my phone when I was talking to him. later on I sent him a email to ask phone record but he no response.
Consumer complaint received 2022-11-25
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX of XXXX, it was reported that I opened an account with Capital One and had a credit card with a limit of {$500.00}. In XXXX of XXXX, it was reported that I made payments on time for the credit card. That would be impossible because I was unemployed from XX/XX/XXXX, to XX/XX/XXXX. There is no way I would've been able to spend over {$700.00} when I was unemployed. My credit report also states that the account was eventually closed and charged off, and that I owe a balance of {$700.00}, which is 140 % over the limit. I believe this is a case of fraud and identity theft. I have never applied for any credit cards, nor have I opened any accounts with Capital One. I couldn't even get a card with that high of limit even if I wanted to. I only have one credit card in my name through XXXX bank, and it is a credit builder card with no limit. It's for people like me without established credit and can't apply for credit cards with high limits. I have attempted to dispute this case through credit bureaus multiple times in the last 2 months, but the issue was never resolved. I didn't realize until recently that it's most likely identity theft/fraud.
Consumer complaint received 2022-10-18
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. (MI)

Equifax Has messed up my credit report they have my brothers name on my credit report also a decent amount of his items has ended up on the credit report 98 % of a high inquiry on my brothers I was on XXXX XXXX XXXX XXXX  waiting list for over four years I finally got approved with the XXXX XXXXXXXX well I could not find a house with in the time frame because of my credit so I lost my XXXX XXXXXXXX and now me and my kids have been XXXX the last six weeks
Consumer complaint received 2023-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-02-28
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. (MI)

I tried Experian product Experian Boost. Experian falsely advertise Experian Boost only looks for utility bills like cable, light, gas, phone and water bills. On XXXX XXXX Experian Boost put a rental agreement on my credit report causing a 30 point decrease in my credit score. Sent document of my credit report showing Experian Boost has added XXXX XXXX to your credit report. For {$780.00} plus {$1000.00}. 
Experian Boost illegally open a XXXX XXXX account in my name called XXXX XXXX. I have tried several times asking Experian employees and supervisor to remove this account and give me back my 30 credit points. They tell me it is impossible for Experian Boost to add the account even when they see it on my credit report. 
The way Experian Boost work you go to the website you enter your credit card number the system search for the bank and utilities in your name then it will give you some credit points. It does not allow an individual to add any other information not even your name. 
Experian told me to ask the company to remove it. I did but they state they can not because they did not add it on my credit report. 
Experian keep stating to me they do not know how Experian Boost added the fake account to my credit report but they are not going to remove it.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: M&T BANK CORPORATION (NY)

I was called on XX/XX/XXXX by a debt collector, they are calling from a Tampa, Florida number. They told me the conversation would be recorded and I did not consent to the call being recorded as Florida is a double consent state. They then would not tell me who they were and what they were calling about until I had to call back to see who they were. They stated they were trying to collect a debt from XX/XX/XXXX from M and T bank. I had explained that I am no longer liable for this debt due to being over 10 years and they continued to argue with me saying I need to get my affairs in order and pay the debt. I receive constant phone calls from them even after telling them on a recorded line to stop calling. I do not know how they got a hold of my personal cell phone number as it is not a public listed number.
Consumer complaint received 2022-12-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (GA)

Name of company : Medical Data Systems inc/ XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Company location : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/2022 XXXX XXXX/Charge off Amount XXXX This company has manage to report a XXXX charge off / Collection on my account Ive tried to get in contact with them to resolve this issue they didnt respond. They also sold my debt to another company.
Consumer complaint received 2022-10-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transition intentionally lied and sent me a letter in the mail saying they do not have a report for me when I called and indeed have a report and got a report number from the agent on the phone. I have attached they letter they sent me in the mail. 
They continue to cause me harm and suffering by reporting inaccurate information on my consumer report this information should have been deleted promptly, they are intentionally stalling and taking away my right to privacy and causing serious harm and injury to me. Do what is right and lawful by blocking and removing this information from my report. 

According to 1681c-2 ( e ) this information should be deleted and block within 4 business days upon receipt of the consumers, proof of identity, identity theft report, a statement from the consumer and the identifying information to be reported.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SUNCOAST CREDIT UNION (FL)

From about XXXX to XXXX I was the victim of XXXX XXXX  and my XXXX stole my identity and used my name for several years and things I was to afraid to tell him I knew what he was doing and didnt approve. He opened bank accounts in my name, had a couple leased houses in my name, some credit cards and was always trying to get loans. His name was XXXX XXXX he was finally caught and me and 5 other women were rescued. I went through a court diversion program called XXXX XXXX which provides victims with assistance and counseling, intended trauma treatment and even counseling services. I graduated from the program after a year on XX/XX/XXXX. My XXXX got XXXX XXXX XXXX XXXX for what hes done to me and the others but this has severely affected everything. My credit, my background, and many other things. I just want my life back to normal the way it was before I was XXXX XXXX XXXX and XXXX XXXX XXXX among many other things. So I would like this on record as to why I am struggling so hard with credit and banks and dealerships and I cant even rent my own apartment because he has 2 evictions in my name. I wanted a chance to tell my side of the story now that Im no longer his victim. I also have all kinds of hard inquiries on my credit that I need to get removed
Consumer complaint received 2023-06-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights 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 credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-18
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. (GA)

My name is XXXX XXXX, I have been a victim of Identity theft, and I am hoping the Consumer Financial Bureau and the FCRA can assist me getting my financial life back together. All the accounts listed below are fraudulent and should be deleted immediately.

WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT and nothing has been doneAccount Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (VA)

Repeated calls all hours of the day and night suggesting that I owe money if I dont pay they will take matters further I am sick just had XXXX XXXX and have tried to resolve this matter but they will not leave me alone the account is closed and has been sold to these people now they act like I owe them thank you
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

I received a letter from Diversified Consultants, Inc. dated   XXXX    XXXX , 2017 stating they represent a   XXXX   XXXX   and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-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 in identity theft, no 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 as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX -XXXX  XXXX XXXX  : XXXX  Date Reported : XX/XX/XXXX. XXXX
Consumer complaint received 2022-10-18
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.