davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Accout # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account XXXX XXXX, DP OF EDUC Account # XXXX, XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account # XXXX, DP OF EDUC Account # 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
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VIRTUOSO SOURCING GROUP, LLC. (VA)

XXXX  impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by XXXX and/or accepted by XXXX despite they knew now the fact that collection was in violation of the FCRA by XXXX  and the collection. XXXX  blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. XXXX added an unthorized address to Mr. XXXX credit file. XXXX  knee that XXXX  already deleted that collection that violates the FCRA.When Mr. XXXX found that XXXX   blocked him from using the XXXX  online dispute process ( XXXX  in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because XXXX  knew if they let Mr. XXXX to use that online dispute process without restrictions he would win and XXXX  would had deleted that collection by now. XXXX   now is served through this platform the attached files that were already sent to XXXX  by they trashed them or ignored them and XXXX to explain why they did that in violation of the FCRA.XXXX  must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX specific XXXX  credit report number. Included also the name of the collection. A XXXX XXXX banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and XXXX  must delete that collection or face serious legal consequences.
Consumer complaint received 2023-08-09
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. (NJ)

On XXXX, I submitted a complaint with the cfpb about the same issue and accounts, # XXXX and XXXX that are inaccurately reporting on my credit file. The previous cfpb complaint number is XXXX. That was ten years ago. Today, I am submitting a complaint for the same two accounts that are illegally reporting on my credit file. A credit reporting company generally can report most negative information for up to seven years. It is governed by the Fair Debt Collections Practices Act ( FDCPA ), and state laws may also apply that once a debt has passed the statute of limitations, the debt becomes time-barred. The Fair Debt Collection Practices Act prohibits credit bureaus and debt collectors to misuse this law.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 Portfolio Account # XXXX XXXX  XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Accout # XXXX, XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account XXXX XXXX, DP OF EDUC Account # XXXX, XXXX Account # XXXX*, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX*, US DEPT ED Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, DP OF EDUC Account # XXXX, DP OF EDUC Account # 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
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Henriques (CA)

i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XX/XX/2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX XXXX and hide two and attach my wages thats going to kill me and make me  homeless!!!!!
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unauthorized inquiries have appeared on my report by these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-19
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. (OH)

I am requesting my name be removed from a car loan with XXXX XXXX effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from XXXX XXXX. I was under the impression this issue has been resolved since I received a letter from TransUnion dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for TransUnion or XXXX. My credit score based on XXXX XXXX for TransUnion is XXXX and XXXX  credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from Texas. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I opened a checking account with Citizens Bank on XX/XX/2022. I opened the account with Promotional Code : XXXX. The promotion states you are to receive a {$400.00} bonus if you have direct deposits totaling {$500.00} and 50 transactions on the debit card that is linked to the checking account within 60 days of opening the account. I have met all of these requirements. I have called the bank several times and each time I am told a different answer on when I can expect to receive the {$400.00} bonus. I feel I am getting the runaround at this point. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2023-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (KS)

I have notified Merchants Adjustment Service that the referenced debt they are attempting to collect is the result of identity theft. I requested proof that the debt is mine, including proof of the identity document ( s ) provided to the original creditor as well as a SIGNED contract of agreement to pay to the original creditor. MAS only provided a printed sheet from their database with generic information. MAS did not provide any proof that the debt belongs to me. MAS did not provide any documentation that the debt was originally mine either. 

I continue to dispute this balance on the claim that it is the result of identity theft. I have attached the FTC Identity Theft Affidavit.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

I have an old debt on my credit report and they keep changing the date that it was incurred. This debt was reported originally in XXXX and its now saying it was opened two years ago. I have disputed it with XXXX a couple of times over the years and nothing changes. I have had no contact with the creditor and there is no reason for it to be re-started. I have attached past reports, showing it being closed and then they re-opened it again in XXXX.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-09
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. (AL)

There are FRAUDULENT items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ) and UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding them and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit card company won't work with you while you're going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments i need Manager response to me
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Im filing this complaint on Equifax ; due their failure to conduct a proper investigation and re-investigation for a medical collection ( XXXX XXXX XXXX ) thats negatively impacting my consumer report. I previously disputed this item with Equifax ; the item came back verified. I then contacted XXXX XXXX via XXXX, requesting validation. XXXX XXXX fell to provide that information in accordance with FDCPA. Therefore, XXXX XXXX stated in the letter attached here ; they have sent a request for the item to be deleted. Equifax fell to adopt reasonable procedures for meeting the needs of commerce for consumer credit. Equifax aloud the reporting of this negative information to be furnished without an investigation for their ill-gotten gain.
Consumer complaint received 2023-05-17
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. (FL)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please update.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

Check # XXXX was paid into my account on XX/XX/18 for the amount of XXXX.

The account holder of the check and I bank with the same bank chase. On the XX/XX/18 the funds were place on hold and when I call about the funds I was told they needed to spoke with the person who wrote the check. After speaking with that person who gave me the check the funds were released on the XX/XX/18. On the XX/XX/18 the funds were put back on hold again, and when I call the bank, they sent me to the recovery and Fraud department and my account was overdraw. I later got the check in the mail and the letter stated my couldnt verfity the hand writing. My account is overdraw still and I want my monies.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (CT)

On XX/XX/2024 I received a Cash APP card in the mail with my name on it. I was advised this account was opened 6 days prior. I have never used Cash APP, never used the app, never opened an account with CASH APP. Upon receiving this I called the number provided by the company on the card and website. When I called they refused to close the account by phone and said they would only close the account if I clicked a link and uploaded pictures of the card. Their own fraud warnings on their website state to never provide a full account number. The link they sent was flagged as suspicious link. Another person advised that the account couldn't be closed without clicking a link in an email but they could disable the card. It took 5 different people and needing to proffer my personal email address so they could investigate. I am alarmed that I was told I had to provide a company, of whom I am not a customer, personal contact information when they refused to send me a notice by mail that the account was closed to the address they sent the card. My credit with XXXX is frozen as well as my social security number is locked. The fact that an account was still opened in my name and I was sent a card is frightening.
Consumer complaint received 2022-10-19
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. (IN)

I keep having another overdone info on XXXX XXXX XXXX  and its not me. The debt collection agency is XXXX XXXX XXXX  department XXXX XXXX XXXX XXXX XXXX Texas XXXX in the amount of XXXX that was reported XX/XX/XXXX on my credit from south Florida XXXX XXXX then there is another reporting in the amount of XXXX. From the same hospital amd Ive called and keep getting the run around. I live in Indiana so this is obviously not my bill that is being reported. Ive called the debt collector and they cant do anything. This is wrong why I have to keep calling to prove its not mine.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (PA)

EQUIFAX has violated my Consumer Rights.

- 15 U.S. Code 1681a ( 4 ) : Consumer Right to Privacy -15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) : Obligations with respect to disclosures of personal information. I was not made aware of my right to OPT OUT of my information being shared.

- U.S. Code 1681b : Permissible Purpose of Consumer Reports -FDCPA 8012 : Furnishing Deceptive Forms : furnishing inaccurate inquiries and accounts
Consumer complaint received 2022-10-19
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. (NC)

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 U.S.C 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 XXXX XXXX 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 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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

I open a credit account with Comenity Capital Bank ( XXXX ) in XX/XX/2019 with initial credit limit of {$5000.00}. During this time, I charged approximately {$1200.00} on card and have made my payments on time via XXXX every month. 

About a year ago when Covid hit, my household income took a significate reduction which impacted my ability to pay my bills on time as a result reduced my credit score. Based on my reduced credit score Comenity bank reduced my credit limit from {$5000.00} to the current outstand balance of {$1200.00} which as a resulted reduced my credit score even more due to my credit utilization increasing. Even after this, I continued to make on time payments via XXXX 

A few months later, I received another notice my credit limit was reduced again to the outstanding balance of {$850.00} which again impacted by credit score. This time I reached out to Comenity bank and requested they stop reducing my credit limit as it is impacting my credit score and reminded them, I have never missed a payment. They gave a generic response quoting company policy. Despite their response, I continue to make my payments on time via XXXX 

Yesterday I get another notice that my credit limit has been reduced again to {$550.00} ( my current balance ) and again my credit utilization goes up and credit score goes down. 

In less than 16 months, my credit limit has gone from {$5000.00} to {$550.00} even though I have never missed a payment or tried to use my card. My account remains on XXXX and aside from being maxed out it is in good standing.
Consumer complaint received 2023-11-10
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. (CA)

In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX, Acct : XXXX {$1700.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an 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 convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Address Inaccurate )