davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (MI)

in reguards to the following accounts they are in violation of us 1666b sec 2 which states that If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

They are also in violation of 1681i which also states Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX  ss Acct # XXXX address ... XXXX XXXX XXXX XXXX tx XXXX XXXX, XX/XX/2022 XXXX ) XXXX XXXX Acct # XXXX address ... XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX dates ... XX/XX/2022 XXXX ) XXXX XXXX XXXX Acct # XXXX address XXXX XXXX XXXX XXXX XXXX wa XXXX dates ... XX/XX/2022, XX/XX/2022
Consumer complaint received 2022-12-10
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. (OR)

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  # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX The above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Commencing on or about XXXX XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via bank wire and through an intermediary named " XXXX '' in the total amount of XXXX USD utilizing Bank of America 's services
Consumer complaint received 2022-12-04
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. (NM)

I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX XXXXXXXX False 30 day late pay reporting Date Last Active XXXX : XX/XX/2022 XXXX : XX/XX/2022 XXXX XXXX  XXXX Account falsely reporting to XXXX I have attached my ID and proof of address to get this resolved without any issues
Consumer complaint received 2018-04-17
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. (KY)

I signed an original contract with XXXX ( XXXX XXXX XXXX XXXX XXXX  ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
Consumer complaint received 2022-12-10
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX {$1500.00} from XXXX XXXX XXXX XXXX XXXX NEVER received any notification of this amount or account. NEVER had an account with XXXX XXXX during this time period. 
When I called and asked the Credence Resource Management Representative, and also spoke with a Supervisor, would not mail documents to my address. 
I asked where they were located, and he responded : " XXXX, offshore ... '' I also asked repeatedly if this was a scam, and they did not respond. I only gave my name and zip code, then they hung up on me.
Consumer complaint received 2023-07-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I am not liable for the debt with XXXX XXXX XXXX XXXX. I dont have a contract with Ars Account Resolution, they did not provide me with the original contract as I requested.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Upgrade, Inc. (IL)

I applied for the card, sent all required documentation while on the phone with the processing department, while they confirmed they had everything. I was approved card was mailed to be. But once I started to use it the company approved my transactions at the time of purchase but then declined them. After weeks went by they told me I was declined because they couldnt verify my identity. Mind you I have had a personal loan with this company for one year. I asked how can you not verify my identity you have everything, credit report, driver license, tax form, social security card and a selfie. They told me thats all they can tell me. How is this far to consumers?
Consumer complaint received 2022-10-19
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 (WV)

On XX/XX/2022 I received a call about a suspicious attempt to open a Capitol One credit card account in my name. I declined that it wasn't me and they were going to deny it and report it as fraudulent for investigation. I then reported it to the credit bureau, freezing and putting an alert on my credit. 
Upon reviewing my credit report, I found an address that didn't identify with anyplace I live or had lived ( in AR ). Called credit bureau to make them aware of this. I will follow this up with a police report.
Consumer complaint received 2023-03-19
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. (IL)

Reported these are fraudulent inquires on my credit file. i did not authorized these inquires but these companies will not send me proof it was me, they refuse to remove them saying its accurate when it is not
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I booked a flight on XXXX through chase ultimate rewards using points. The flight was on XX/XX/2022. XXXX cancelled the flight XXXX XXXX XXXX XXXX XXXX Chase said they would refund my flight due to XXXX cancelling because of the XXXX XXXX XXXXt XXXX Chase said they would refund me in a statement credit of {$1300.00}. And that I would have it by XX/XX/XXXX at the latest. This date was not met. Then I was told it would come as points instead of a statement credit, but was never provided an amount of points. 

I confirmed with Chase that they received {$670.00} from XXXX, but they have not provided an equivalent refund of points, despite saying for weeks that they would do so, having admitted the error or their part. They have been holding this refund up for months now with no concern for my financial well being.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (FL)

In early XXXX I received papers from the Navy Federal Credit Union, along with a XXXX. I immediately called the Credit Union and told them that I had no idea of what was happening, apparently someone had opened up an account with them using my SSN & name. They told me that they were going to close account and address the situation. 

I continue to receive information from them about the delinquent account, at which time I call them again, they tell me that there is a flag on the account and not to worry they are taking care of the situation. 

I have reported this to the 3 credit unions, and have them put a hold on my SSN, however my credit score continues to fall. I was at XXXX and now with XXXX bureau ( as of yesterday ) has fallen to XXXX ( approx. as I have closed the information on my computer.
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-06-15
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)

A COLLECTION XXXX XXXX  XXXX APPEARED ON MY XXXX, EQUIFAX AND XXXX. THIS ACCOUNT DOESNT BELONG TO ME. PLEASE REMOVE FROM CREDIT BURUEAS
Consumer complaint received 2022-12-05
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: Conn's, Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right 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 ~ payment on a credit card account under n open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NC)

Applied/Approved and opened the Bread XXXX XXXX XXXX the beginning of XX/XX/2022. {$3000.00} limit. 

Received card about a week later and activated. Didn't try to use it for another week or so. 

Tried to book a room online for a trip and was denied. Thought maybe I entered info wrong so I tried to add it to my XXXX wallet and pay that way. Denied. 

I called Bread/Comenity who had me verify all of my information and then told me they couldn't tell me why. They told me they weren't allowed to because of fraud and that I needed to EMAIL them a copy of my drivers license, social security card and utility statement. I told them that was suspicious and they said they would just send me a letter in the mail about it. 

No letter arrived so I called back and they said they would send another letter. This was the case through XXXX, and now in XXXX I am contacting the CFPB. 

I can still log into the account online and it shows the XXXX as available credit. 

The haven't reported the account to any Credit bureau, they also haven't reported any of my other Comenity card history since XXXX. There is a whole thread of people on the credit forum that are having to dispute their reports just to get them to report. 

If they didn't want to give me the account that is fine, but don't issue the account then lie about fraud after the fact. I am tired of waiting on hold for them to try and get me to send them unsecure emails with my SS in it.
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Consumer complaint received 2022-12-10
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2018 XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

This is a follow on to compaint # XXXX since I have not had a satisfactory end to my original complaint which started back in XXXX. Today is XX/XX/XXXX and back on XX/XX/XXXX, I provided the requested documents to have my mother 's Citizens bank accounts ( checking and savings ) closed and a check sent to me. I have had heard nothing back and have no idea why it's taking so long to resolve this issue. I need help to complete this action.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I had an credit card that I never excepted after it expired. It was a older account that I never received statements since I lived in my present address since XXXX. In XXXX of XXXX I was notified by debt collector I owed XXXX on a credit card. I reported to Citibank fraud that someone is using my account. I did pay XXXX on XX/XX/XXXX and updated my home and phone number which was not on Citi file. The only statement I received from Citi was XX/XX/XXXX with a balance of XXXX. My wife recalled using the account on 2 purchased XXXX XXXX XXXX for XXXX and XXXX XXXX for XXXX online purchase. I have no knowledge of any other purchases to create the XXXX balance.
Consumer complaint received 2022-12-10
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. (SC)

I have reached out to each reporting agency for a resolution but was not able to achieve XXXX. I have asked to send me copies of documentations to show that these depts belong to me but have not received any. I have sent information that I person by the name of XXXX XXXX XXXX is using my social security number. Below are the accounts that need to be removed. 

XXXX XXXX {$75.00}, XXXX XXXX XXXX {$280.00}, XXXX XXXX {$970.00} XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$5700.00}, XXXX XXXX {$1000.00} 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 and number of Closed accounts that needs to be removed.

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 repot 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 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 2023-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Occupational Management Group, LLC (TX)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My account has been paying XXXX XXXX for some time now, I have discovered by doing a thorough audit of my accounts. 

I have no idea who they are. 

I have no documentation in writing who they are, who they represent, what debtor they allegedly represent, what the debt allegedly is, when the alleged debt was. As such, my rights to dispute the alleged debt, along with other civil rights, were violated under the Fair Debt Collection Practices Act.