davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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)

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

XXXX XXXXXXXX card account # XXXX Has an inaccurate amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man XXXX 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

At XXXX and XXXX XX/XX/2024, I had sent two {$40.00} payments for two event tickets that were promised over XXXX. The connected name of the XXXX account was XXXX XXXX and the connected email of the account is XXXX. XXXX associated numbers with the scammer are ( XXXX ) XXXX and ( XXXX ) XXXX.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

WELL HERE WE AGAIN. I BEEN DOING THIS NIW FOR 2 YEARS EVERY SINCE MY BANKRUPTCY IN 2020 : MY OLD XXXX CARD WHICH WAS XXXX IN. XX/XX/2020 SHOWING OPEN/DEROGATORY IVE DISPUTED THIS OVER & OVER! 


ACCOUNT BEEN CLOSED FOR XXXX ( XXXX ) YEARS NOW!!!!
Consumer complaint received 2024-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

1. ) These loans were re-inserted into my credit reports without prior knowledge and without my expressed written consent. 
2. ) None of the payments made are reflected on any of the fraudulent loans sold to a 3 party loan servicer without my prior knowledge or consent. 

Please do not investigate. 

What is the permissible purpose for furnishing such harmful information? 

I am not an enemy of the state. I am a non-combatant, I come in peace. 

Therefore, release me from the bounds of debt slavery, because there is no money to pay debts. The only form of money that exists is gold and silver according to the XXXX. The government seized all my family 's means to sustain ourselves when the US declared it illegal for persons/citizens to possess gold. make this right
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I was emailed and called by Resurgent capital services indicating that had purchased an old account from a creditor XXXX XXXX XXXX  XXXX. for {$2200.00} I had sent proof of a cashiers check that the debt was paid off in XXXX. Yet they are still calling and sending emails to me. Need help to stop them
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

equifax reports that my credit account is frozen. Attempted to get a loan ( {$5000.00} ) but they reported no credit cards or history. I am XXXX XXXX XXXX and never had issues with credit. when equifax contacted they verified my identity by ssn, dob, address, mobile number, text to same to send back code- then wanted me to send in hard copies of my ss card and drivers license. asked to speak with supervisor- put me on hold after trying to get me to purchase identity theft protection. still do not have the freeze lifted on my account. 
the 'customer service ' rep was not helpful and said that their supervisor would give the same response. very unprofessional and disturbing that a credit reporting company can manipulate anyone 's credit reports to equifax 's liking. as a consumer we have no recourse to this abuse of power
Consumer complaint received 2022-11-30
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4400.00}
Consumer complaint received 2023-07-03
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. (CA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2024-03-27
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. (NY)

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 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 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 conviction of crimes which antedates the report by more than seven years.

15 USC. 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 incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One is running credit checks without my authorization. I do NOT have an account with them and have never had an account with them. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX times XXXX XX/XX/XXXX. Attempts have been made to stop these credit checks but Capital One has not ceased.
Consumer complaint received 2022-11-30
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. (CA)

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

( XXXX ) Account name XXXX account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX  XXXX account number ( XXXX ) ( XXXX ) Account Name XXXXXXXX XXXX  account number ( 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 states a consumer reporting agency can not furnish an account without my written instructions 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 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (VA)

I have contacted XXXX XXXX and EOS CCA. I made the request several years ago to XXXX XXXX and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years. 

Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for XXXX XXXX and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. XXXX XXXX nor any of the collection agencies honored my request. 

This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (MA)

Dear CFPB Representative, I hope this message finds you well. I am writing to seek urgent assistance and intervention in a financial matter that has caused significant distress and extreme XXXX. 

On XX/XX/2023, I opened XXXX accounts, the XXXX XXXX Account and the XXXX XXXX XXXX XXXX, with BMO through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the XXXX XXXX XXXX XXXX account through the XXXX website. 

However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. 

Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. XXXX asserts that the {$25000.00} was returned to my XXXX account on the same day as the {$25.00}, but this substantial sum has not been credited to my XXXX account. I subsequently engaged with XXXX, providing them with all pertinent details and initiating a dispute investigation. Regrettably, after their investigation, XXXX conveyed their inability to locate the disputed funds and redirected me to seek a resolution from XXXX. My latest conversation with BMO, specifically with their XXXX department, failed to yield any tangible resolution or guidance. Their suggestion to visit a physical branch is not feasible, as there is no XXXX branch in my residing state. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00} and in holding both BMO and XXXX accountable for their roles in this issue. 

I would appreciate your immediate intervention and guidance on steps to reclaim the missing funds and to ensure accountability from both financial institutions involved. 
I am willing to provide any additional information or documentation necessary to expedite the resolution of this matter. 

Thank you so much! 
XXXX
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (FL)

I told the lady at citi bank that i have to check my charges I am without work or job because of this.I never had a   XXXX   XXXX   card.Ive only banked with citi,  XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,  XXXX , and   XXXX   XXXX  .Any other card is not mine i dont even have a bank card open i have them all closed and paid for except bank of america.i owe money to   XXXX   XXXX   and citi bank.Plus i have toyota for a car but i got in a auto accident and got sick.Than   XXXX   XXXX   company but i dont have a car anymore so i dont have to pay.Than medical bills and   XXXX   XXXX   XXXX   only been there twice,   XXXX   XXXX   XXXX   been there like 2- 3 times, than   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   but i think the school pay for that job corp  XXXX  fl, Maybe   XXXX   XXXX   XXXX   i been there1 time when i was in highschool, and   XXXX   XXXX   been there 1 time for a  XXXX .Anything else i dont know.And school bills is job corp center but i think they pay for that by government,   XXXX   college for 1 class, and   XXXX   XXXX   College i took like 3 classes and 1 class I failed and have to retake but any other is not mine.Please write back at   XXXX   XXXX   XXXX   XXXX    XXXX  Fl  XXXX .I also have a prepaid   XXXX   XXXX   account i owe and   XXXX   XXXX   but the bill is almost paid and i closed the account i only have   XXXX   card with them.I 'll check the mail again.
Consumer complaint received 2023-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frontline Asset Strategies, LLC (FL)

I had a phone with XXXX XXXX they told me they will mail the final bill due to I transfer to XXXXXXXX XXXX  will take around 90 days due to the bill end before the end on the month. Today I receive it a letter that Im in collection with out never received my final bill or any other bill. I never Denied to pay my bill and they was calling from a number that I dont even know. my social per hippa is confidential I did a contract with XXXX XXXX not with frontline Asset and my address was never change I continue living same place XXXX XXXX XXXX XXXX XXXX XXXX. I need your help on this matter .I call XXXX XXXX and they told Me they couldnt do nothing. how they send me to collection with out send me a bill or let me dispute or else. I never received my final bill.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 USC 1692 ( a ) ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that Midland Credit Management has violated 15 USC 1681 ( a ) ( 1 ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 3 ), 15 USC 1681 ( a ) ( 4 ). On XX/XX/2023 I sent Midland a letter to validate the debt they claim I owed. I have disputed the alleged debt multiple times and allowed Midland Credit Management appropriate time to show evidence of the alleged debt they claim I owe. They have disregarded these repeated requests and only sends a bank statement. They have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have suffered severe humiliation, embarrassment, emotional distress, and physical discomfort. I have been getting denied a car loan. Because of this I have missed multiple days of work due to no reliable transportation. Midland has violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (IL)

Cash app number XXXX I trying to call lady she pick up Ill be reported why u open my account without my Authorization Than asking me money and take my money without authorization Ill be reported my bank and stop my account but I call today as above number she hang my number I need to fix my issues this company use my name and my social without my permission privacy and fraud apply her number as above and name cash app is new generated in XXXX as fraud web to catch people name and take money
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-29
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. (CA)

I mailed a letter to you asking that you remove incorrect person information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also, according to the USC 6802, No financial institution isn't suppose to share my information to third parties. 

These are clear violations of my federally protected consumer rights.