davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

A couple of years ago. My wife and I had to file for XXXX  XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX  XXXX bankruptcy. 

My concern is with XXXX XXXX. We had XXXX XXXX XXXX XXXXXXXX XXXX which was overseen by XXXX XXXX. We payed our debt off to XXXXXXXX XXXX XXXXXXXX. We did not file bankruptcy on XXXX XXXX  or XXXX 's XXXX. We specifically stated to the Bankruptcy judge that we had payed the debt to XXXX XXXX  XXXX and XXXX Bank. But our Credit card privileges were suspended. 

XXXX XXXX  refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to XXXX XXXX  yet they refuse to respond to our questions.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've contacted Transunion to request a copy of my credit report and score on XX/XX/2023. I only received a copy of my credit report without the score. I attempted to contact Transunion back requesting a copy of my my score since I never received it. and I was told that because it is a second request that I would have to pay to get a copy of my score, even though I never received it upon the first request.
Consumer complaint received 2023-05-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX Hi. Can you please send the original contract with my signature on it and the address and phone number. Also the payment history. Please take off of my credit immediately thanks XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (CA)

TD Auto Finance has been calling my friend, XXXX XXXX XXXX XXXX times a day for my debt. At no point did she consent to this harassment, and calling my friend for my debt is crossing the line. 

Also, they have still been calling me XXXX times daily after the last complaint. They have added a disclaimer on the payment page that supposedly allows them to resume their harassment. So just by making a payment, this allows them to resume the harassment? I never gave consent to that, I was just trying to make a payment.
Consumer complaint received 2023-02-28
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. (NJ)

Name : XXXX XXXX Address XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX Dear Sir/ Madam Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Social Security XXXX XX/XX/XXXX
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MI)

I received the following email and Western Union will not release my payment to XXXX XXXX or back to me. I feel this request is not safe over the internet and should not give my personal information across the internet. There is no address or phone number on the email so to me it a scam. However, Western Union is now holding my money and will not release it which is causing me stress, as this is a car note payment that is currently in collections. 
Dear XXXX, On behalf of Western Union, we want to inform you that your recent transaction is currently on hold under security review. In order to continue processing, we need to verify your identity with a front-and-back copy of a government issued photo ID ; e.g., passport or drivers license. Please reply to this e-mail ( XXXX ) with a copy of the ID and its translation into English plus the following information : Your current address Your city of birth If you have any further questions or concerns, please contact our local Customer Service Center at the number indicated in your receipt with your tracking # ( XXXX ) available for assistance. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information transmitted, including any content in this communication is confidential, is intended only for the use of the intended recipient and is the property of The Western Union Company or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that any use of the information contained in or transmitted with the communication or dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please notify the Western Union sender immediately by replying to this message and delete the original message
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (FL)

Several years ago I was sent an Amazon charge card. I put it away and never used it. I thought it might have been something Amazon did when you became a " XXXX member ''. I began receiving bills on an account I had no idea what it was for. I tried numerous times unsuccessfully about what merchandise had been charged. The bills all seemed to be generally " amazon market place ''. I filed a complaint with Synchrony bank and explained I had tried to get in touch with a " person '' for months and was not able. This of course was during the Covid pandemic and I had a lot of family living with me. 
I signed an affadavit from Synchrony saying that I had never requested the card and had never used the card, It was a card I NEVER would have applied for at 29.9 %!!! I'm not crazy. I'm XXXX yrs old and have had excellent credit up until this started. As a result of my credit score being lowered to a point that made me uneligible to get a mortgage when I sold my home. This forced me to liquidate my life savings to be able to buy a house outright. 
Since this time I have closed the first account but Synchrony has repeatedly sent me a new account number and continue to send bills with a now over the limit balance and penalties on top of that. The current balance on my 4th account is {$2800.00}. This has exhausted my patience and made my life problematic to say the lease!!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Dear CFPB, I am writing to address an ongoing issue that requires urgent attention. Despite repeated attempts and seven letters submitted, it has come to my notice that the following accounts, which have long been removed from XXXX, still persist on my credit report with XXXX and Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urgently request that you take immediate action to rectify this situation by promptly removing these inaccurate accounts from my credit report. The extended presence of these accounts is negatively impacting my credit profile and causing unnecessary distress. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm once the necessary corrections have been made.
Consumer complaint received 2023-03-15
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. (TX)

On XX/XX/2021, I paid the total balance due on my credit card bringing my account to XXXX For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a XXXXXXXX XXXX representative on behalf of XXXX stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.
Consumer complaint received 2023-02-28
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX 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 2023-01-24
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. (OH)

XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX In accordance with Fair Credit Reporting act. The account above listed violated my federally protected consumer rights. 15 USC 1681 Not only is this account not mine it's listed on dates I never been able to operate.

15 U.S.C 1681c. ( A ) ( 5 )
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 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 under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been disputing an account that I requested to have closed and then reopened with XXXX XXXX last four account XXXX. I have disputed with all 3 agencies and the are still incorrectly reporting the information. The account status is still showing closed, showing a balance and that I was 3 months late. I previously had a XXXX credit score and all of the reporting errors are negatively impacting my score and ability to obtain personal and business credit. 

In accordance with with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 I have a right to privacy. 15 USC 1681-604a section 2 a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and closed consumer account can not consider late for any reason.
Consumer complaint received 2023-01-17
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-12
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: Atlanticus Services Corporation (GA)

15 USC 1681 section 602 states I have a right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (NJ)

Leased a XXXXXXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Returned the vehicle on XX/XX/XXXX. However dealer reported my return date as XX/XX/XXXX. Ally wanted XXXX. XXXX from me. Called Ally lease collection and provided the odometer reading slip, XXXX plate slip, etc to show the vehicle was returned on time. From XX/XX/XXXX to XX/XX/XXXX, emailed and called Ally lease recovery person XXXX many times. Each time she promised to solve the problem with a couple of weeks. Yet problem was never solved and they just sent me a letter and threatened to damage my credit. 

Documents were first provided by wife, then by me. Then they wanted the dealer to submit it. Dealer confirmed submission to the remarketing team. XXXX never replied any email, and said she does not work with emails. I called and got lies and empty promises. All email correspondence from day XXXX with XXXX and XXXX XXXX XXXX are available. 

Account number is XXXX.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (NJ)

Somebody opened a checking acccount with this Bank BMO Harris Bank at. 
XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX. I never open account with this bank. already call the bank to close the account number isXXXX
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (NC)

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Employers info : XXXX  Date Verified XX/XX/year> Remove Account Review Inquiries Remove Inquiry Analysis
Consumer complaint received 2023-02-28
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.