davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

I reported fraudulent activity on my credit card in XX/XX/XXXX. I notified Barclay about the fraud via telephone call. They Sent me a new card. Since then I have received nothing in the mail nor a phone call acknowledging the fraud or that they are working on crediting the account. I called on XX/XX/XXXX and they advised they're working on it. Now XXXX months after my follow up call I am still waiting for a credit of the charges or at the very least, an update to my fraud review. It's not a large amount so I'm not sure why it is taking so long.
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: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (OH)

I took out a loan from XXXX XXXX XXXX for my furnace. I missed 1 payment on this loan in the 2 years I had it ... and paid that in under 30 days. However, they continued to claim I missed the payments passed the 30 day period. I have since paid off the entirety of this loan and they have yet to report this payment, which would increase my credit score. I need help on my credit score ASAP... they have destroyed my credit score number with their inaccurate statement of neglected payments.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NE)

I originally sent a debt validation letter to Calvary Portfolio Services at the address on the document they mailed to me On XX/XX/2022 simply requesting specific information about the debt they claimed i owed but never received a response back with in the from the collection agency leading me to believe this was not an actual agency or could possibly be a scam. On XX/XX/2022 they proceeded to send me letters offering payment plans. Which i did not respond to i received no further communication from them. Until a letter from their attorney office dated XXXX stating their was a judgment against me. A hearing was to take place but i was unable to attend due to health reasons. The judge granted garnishment to take place. At this moment i have had {$1500.00} deducted from my paycheck as garnishments.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

I have given Robinhood so many chances over the last 2 years. Their customer service staff especially XXXX is absolutely rude and awful human beings. They will arbitrarily put restrictions on your account and takes 7/10 days to get the restrictions lifted. There was no fraud on my account. XXXX placed a restriction on my cell phone from accessing the app he placed restrictions on withdrawing or depositing funds all because he didnt like that I was upset and in a rush to get help trying to stop a XXXX transaction I initiated to the wrong account by accident. He purposefully took his time, would not even speak on the call and eventually hung up and cost me XXXX by wasting time. His supervisor said if I had been transferred just a little earlier ( XXXX just sat on the phone doing literally nothing, not even speaking for almost 8 minutes ) I would have been able to retrieve my money. They play with your money. If you get a large sum deposited, restrictions, if you ask for help, restrictions.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I currently have a active garnishment on my paycheck and was notified by Portfolio Recovery Associates that there is no active garnishments at this time in their latest response but yet my check keeps getting deducted. Id like to get to the bottom of this.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 2023-01-23
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)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (ID)

I had someone use my debt card in another State fraudulently. I filed a dispute and sent it via the companies guidelines through email to their disputes department. It was XXXX XXXX, 2016. I was told I would get a provisional credit until they finished their investigation. As of XXXX XXXX, 2016, I did not yet get a credit in any manner to my account. I have no money to buy food and pay bills. I have accrued addition late fees for bills to amount {$100.00} in total because of their delay and breach of contract.
Consumer complaint received 2024-04-16
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: U.S. BANCORP (TX)

Fraudulently unauthorized access to my credit report. I dont recognize this lender or bank. According to the FCRA, these unverified and unauthorized items must be removed from my Credit Report.
Consumer complaint received 2023-05-09
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. (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 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 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under federal codes & regulations : 15 USC 1681 & 15 USC 6802. 16 CFR Part 433, 16 CFR 660.3, and 16 CFR Part 313. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX All the corporations above are in violation of my rights. Please reference the relating federal codes & statue regulations below : 15 USC 1681 section 602 ( A ) section states : I have the right to privacy.

15 USC 1681 section 604 ( A ) ( 2 ) section states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency can make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) section 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.

15 USC 6802 ( A ) section states : A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

16 CFR Part 313.4 states : You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers.

16 CFR part 313.7 states : You are required to provide an opt out notice. The notice must state : that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party.

16 CFR Part 433 states : It is an unfair or deceptive act or practice for a seller, directly or indirectly, to : take or receive a consumer credit contract that fails to contain the following provision : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

16 CFR Part 660.3 ( A ) states : Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Consumer complaint received 2023-01-01
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)

Experian deducted XXXX points of my fico score cause my utility bill went up {$2.00}?. Its a shame Experian have so much illegal XXXX XXXX  to abuse fico scores.
Consumer complaint received 2023-09-27
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)

Dear Sir/Madam, I am writing to dispute certain accounts that appear in my consumer report, which is maintained by your agency. According to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I believe that these accounts should not be furnished on my consumer report for the following reasons : Under 15 USC 1681b , Section ( a ) - Permissible Purpose of Consumer Reports : Subsection ( a ) states that a consumer reporting agency may furnish a consumer report under specific circumstances.

Clause ( 2 ) of this subsection allows for the disclosure of consumer information in accordance with the written instruction of the consumer to whom it relates.

I have never provided written consent to any consumer reporting agency to report the information in question on my consumer report. This constitutes a violation of my rights as a consumer.

15 USC 1681c-2 : This section of the FCRA mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. 

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and have obtained a reference number for my case ( XXXX ). This indicates that the information in dispute may be a result of identity theft.

I am formally requesting the immediate deletion of the following accounts from my consumer report : Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Account Name : Self/Atlantic Capital XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES ; Name : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 UNAUTHORIZED ADDRESS ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
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. (TN)

For the last year I have been disputing the debt of XXXX auto insurance being collected by XXXX XXXX XXXX. Ive asked Experian to verify and send documentation, and each time I was told it was a valid debt. This of course was false as Ive stated! I had to contact XXXX  to get the email showing not only did I not owe them money they actually owed me..
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (CA)

I was a member of XXXX XXXX in XXXX, CA for 2 months when the Covid-19 pandemic shut everything down in XX/XX/2020, including all gyms. However, they continued to withdraw monthly dues from my checking account. I tried to contact them on numerous occasions to no avail ( they were closed ). I then stopped/blocked them from withdrawing payments from my bank. They then sent me to collections by some attorneys in Utah named Aldous & Associates claiming I owed {$280.00}. One of their phone numbers is ( XXXX ) XXXX. I had my attorney friend call them and she left a message for them to call her. They never called her. They continue to call me to this day, and leave messages at least twice a week. I blocked their number but they get through on another line leaving a me a message. I have had enough!!!
Consumer complaint received 2023-03-01
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. (LA)

In accordance with the fair credit Reporting act XXXX XXXX # 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 a payment on an account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2016-01-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (AL)

To whom it may concern, I have stuff on my credit report i 'm disputing that does not belong to me, the collection Agency and creditor will not send me a copy of the signature, they say is mine, which is not mine. I all XXXX collection agencies could not find anything so they told me to dispute it with CFPB, this week i will mail you all the info, they said its listed as mark but i do not go by XXXX i go by XXXX. MCM ( Midland ) will not send me a copy of the signature, and threaten me they are going to turn it over to Attorney. Thank you, XXXX XXXX email XXXXXXXXXXXX XXXX
Consumer complaint received 2022-10-29
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.