davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (CA)

On XX/XX/2018 I checked my credit reports and noticed an entry from CBE GROUP. I was never notified by the company and this is a violation of the FCRA. I also sent CBE GROUP a cease and desist letter and they are still reporting a collection on all three credit bureaus. Please see attached cease and desist letter.
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (GA)

ON XX/XX/XXXX I WAS CONTACTED BY PREMIER STUDENT LOAN CENTER FOR AN OFFER TO COMPLETELY FORGIVE MY XXXX  $ IN STUDENT LOANS. ALL I HAD TO DO WAS TO MAKE 5 TIMELY PAYMENTS TO THIS COMPANY WHICH I FIND OUT DOES NOTHING BUT PROCESS DOCUMENTS THAT ARE NOT NON APPLICABLE BUT THAT I COULD DO FOR FREE MYSELF. THEY STATED THEY WORKED DIRECTLY WITH THE DOE BUT REQUIRED MY SOCIAL SECURITY NUMBER AND CREDIT CARD INFORMATION TO GENERATE A DOCUMENT AND A NEW FSA ID NUMBER. THEY HAVE SET ME UP WITH 5 MONTHLY PAYMENTS STATING THAT IF XXXX $ IS PAID THEN XXXX $ WILL BE AUTOMATICALLY FORGIVEN. THE ZERO PAY SCHEDULE FOLLOWING THE 5 PAYMENTS SIMPLY MEANS YOU HAVE PAID THEIR FEES FOR LOAN PROCESSING DOCUMENTS. I HAVE ALERTED MY BANK TO ALLOW NO DEBITS FROM THIS COMPANY CONDUCTING FRAUD AND I HAVE FILED A CLAIM WITH THE ATTORNEY GENERAL OFFICE AND HAVE MY SOCIAL SECURITY NUMBER CONTINUOUSLY MONITORED FOR SUSPICIOUS ACTIVITY. I DEMAND THAT THE COMPANY PREMIER STUDENT LOAN CENTER IMMEDIATELY CANCEL AND FURTHER TERMINATE ANY RELATIONSHIP BETWEEN THIS SCAM AND MYSELF. MY STUDENT LOANS ARE PAID EVERY MONTH THROUGH XXXX AND ARE NOT IN ANY KIND OF DEFAULT. I HAVE ALSO ALERTED NAVIENT TO THE NAME OF THE COMPANY AND REPRESENTATIVE WHO SOLICITED ME. I AM ATTACHING ALL DOCUMENTS TO THIS WEBSITE AND TO THE STATE OF GEORGIA ATTORNEY GENERAL 'S OFFICE
Consumer complaint received 2023-06-05
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. (GA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them 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
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

15 U.S.C. 1681a ( exclusions ) was supported when contacting all persons. None of the reporting agencies deleted the requested information and concluded as accurate. They are violating my consumer rights under 15 U.S.C. 6801 ( a ).
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2018-07-13
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. (FL)

I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I contacted all three bureau 's, XXXX XXXX, and Experian previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America is failing to acknowledge that I am a victim of identity theft after it was made aware multiple times through various means. Today XX/XX/2022 at XXXX XXXX. I have received an email stating that I have opened up a new account ending in XXXX which I did not do. Since XX/XX/2022 when the unauthorized XXXX transaction took place in my checking account at Bank of America I have reached out to them and made sure to request that they no longer offer any service or good or open any accounts through the phone or online as they are not made by me and that they are fraudulent. To this day I am still waiting to be refunded back the unauthorized {$3500.00} that was withdrawn from my account through XXXX. This is not the first time an account has been opened up to my name with the Bank of America, there was a business advantage checking account which was opened the day I went in-person to make them aware of the fraud. Bank of America failed to honor my requests and continues to cause me financial, physical, and mental damage.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Per the FCRA as a federally protected consumer. I am now opting out any and all authorizing. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (AZ)

I travel for extended periods out of the country ; in fact, most of the past two years. I pay my bill each month in full and have done so for decades. While I have moved over this period, my telephone and e-mail address have never changed. I called today for a replacement card, as one merchant, XXXX XXXX, suggested my chip was bad while having no problems using the card elsewhere or at other XXXX XXXX locations, as you can see from my statement. I simply wanted a replacement card because I depend on the card. The process and call went well until the agent told me she was unable to send me a text to my number, which I was calling from, even though I was out of the country. Now this action by Citi may be retaliatory because of my other complaint. 
However, my issue is with the so-called security department. I was asked for the last six digits of my bank that provided bill pay services, which I gave and was told it wasnt correct or enough. I was asked whether my account was paid from a Citi Bank account, which it is certainly not. I was asked for a secondary phone, which I provided as my XXXX XXXX. While I recently as last month changed my US address, I offered my XXXX Drivers Licenses number, which was the security agent refused for security reasons. This call was reportedly recorded. After about 30 minutes, the agent said the only thing he could do was mail a letter to my US address for which I must call security again to get my card replaced. Why didnt he just say so before asking all these apparently irrelevant and intrusive questions. Terribly unprofessional and thuggishly abusive tactics by Citi.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

15 U.S.C 1681 ( a ) congress states " ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. C. 1681 ( b ) states " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

You, credit reporting agency have forsaken your grave responsibility. You have been unfair and partial. Not only did you not have permissible purpose but I did not consent to my NONPUBLIC PERSONAL INFORMATION being collected, housed and furnished by you. There is information on my consumer report that is a result of identity theft. I, did not provide explicit written instructions for the identified transactions ( NONPUBLIC PERSONAL INFORMATION ) to be reported on my consumer report. 

Pursuant to 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; should be excluded from a credit report. 

I demand you remove the identified items off my report immediately. 
Thank you.
Consumer complaint received 2023-07-04
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (MD)

On XX/XX/23, {$140.00} was withdrawn via an ATM. The withdrawal was from an ATM in Maryland when I was out of state in Pennsylvania ( I was out of town from XXXX ). I offered proof that I was not in the state and could not have made the withdrawal and Discover refused to investigate. They claimed that there was no way that an ATM withdrawal could have occurred without my physical card. They failed to tell me that skimming is a current scam and that consumers are victims of this all the time. I asked them to review the video tape of the ATM transcation, which would clearly show it was not me who withdrew the money. They refused and closed my complaint without doing anything to fix the problem. They also failed to inform me of this well known scam and they did not advise me how to avoid this type of fraud in the future.
Consumer complaint received 2024-04-04
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. (NY)

This item XXXX XXXX & the XXXX # XXXX account credit Report is inaccuracies Payment history and last Date of activity and Balance are all incorrect Delete it from my credit Report Immediately
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (IL)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: InDebted Corporation (FL)

XXXX XXXX XXXX has reported a debt against my Social Security Number that has heavily affected my credit score.XXXX  has reported the debt as being opened in XXXX of 2022. I know that time of debt has adverse affects on scores and they have intentionally listed the debt at a different date. The information on my credit report is inaccurate. I also have another company trying to collect the same debt Who is XXXX  giving my personal information to? Please delete my information as it is wrongfully being reported and please stop sharing my information with Indebted. In the response to this complaint.I would like to know how and why Indebted is contacting me and has my private consumer information? 
In the photos attached, you can see that you can pay indebted or XXXX.
Consumer complaint received 2018-07-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

In XX/XX/XXXX this year I made payment arrangements with CMRE Financial Services to pay off medical debt. They told me as long as I made payments they would not report the collection to the credit bureaus. The payment amount we agreed on was {$150.00}. In XX/XX/XXXX I made a payment of {$500.00} to payoff the debt faster. CMRE still reported the debt to the credit bureaus at the end of XX/XX/2018. 

This is a breach of agreement.
Consumer complaint received 2023-09-29
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XX/XX/2019 improper dates and balances are on my credit report
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-29
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 



XXXX XXXX XXXX XXXX XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX XXXXXXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.