davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I signed up for Bank of America credit card and was approved and used a balance transfer to finalize my other Credit Card at XXXX XXXX. 

I got my Bank of America card and the balance transfer did not occur. I did not hear back anything about this for 2 weeks so I assumed it wasn't going to work. 

I went ahead and paid in full the XXXX dollar balance on my XXXX XXXX and closed the account. ( to avoid interest ) Today, bank of america has the balance transfer pending as sent. I have called both banks and they told me to contact the other bank. This is very concerning since they do not know how to professionally handle this. I need a competent representative to help me resolve this. Escalating to the CFPB seems to be the only way they respond profesionally.
Consumer complaint received 2022-11-21
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-18
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: Experian Information Solutions Inc. (IL)

XXXX   XXXX   XXXX   XXXX   . IS A MULTI- RICO RAQUETEERING CRIMINAL FRAUDSTER MISCREANT CROOK LIAR THIEF!!! THEY HAVE BEEN PAID FOR THIS DEBT BY THE UNITED STATES TREASURY AND PROBABLY BY INSURANCE ALSO, AND THEY GOT THE NERVE TO SELL MY INFORMATION WITHOUT MY CONSENT IS A VIOLATION OF INFORMATION BREACH!!! THEY ALSO ARE USING FICTITIOUS NAMES WICH IS A FEDERAL FELONY CRIME!!!! I am   XXXX   XXXX   > holder in due course for the   XXXX   XXXX   TRUST ESTATE!!!! I AM ADMINISTRATOR BENEFICIARY AND OWNER, NOT CREDIT ONE!!! do you understand me you criminals??? you already got paid by the united states treasury you liars!!!!! and you sold my personal information!!! you ought to be in jail!!!!   XXXX   XXXX    IS A CRIMINAL CO-CONTRACTOR TOO IN THIS MATTER USING MY TRUST ESTATE WITHOUT MY CONSENT, I AM OWNER AND ADMINISTRATOR,!! PROVE TO ME I AM NOT!!!
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2024 I contact TransUnion at XXXX and transunion was unable to verify that they received a dispute from the cfpb how is this possible when cfpb sent me a reply stating transunion is in process of still working on this matter I called XXXX and they refused to transfer me to a USA representative or a supervisor I am sure all calls are being recorded the transunion representative hung up on me without trying to figure out the best resolution
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have several inquiries I did not authorize and would like them removed asap I also have a closed collections that is not mine and I do not have knowledge of I have attached copies from my report
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/XXXX i called to see what was on my credit, I was told to pay XXXX before i could go any father, the agent would not let me off the phone with out payment or a payment date and card!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NC)

I reached out to them to remove the account because I was going through identity fraud. I sent them my police report and they ignored and said I was responsible. I then sent them 15usc6802b to opt out of systems. They responded with since I am not a resident of California I am not protected and covered by the CCPA but the code I sent them is a US federal code not a state code but just to make things easier I provided them with my California address since I have multiple properties and said to send any mail there to continue and prove I was also a resident of California and therefor covered by the CCPA just to make things easier since they blatantly dismissed my federal right to opt out with code 15usc6802b. They then responded with nothing other than I am responsible. I then in a last attempt before federal litigation I sent them this and they have been silent since As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. 

They have been silent since. Please help remove this account. They are violating my federal rights and my privacy. Please and thank you.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (NY)

I wasn't notified by " Phoenix Financial Services '' OR " XXXX XXXX XXXX  ''. On or about XXXX XXXX alerted me of the accusations. 
I disputed XXXX, but the Derogatory accusation remains on my report. I don't know who Phoenix... or XXXX... are
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

The lady who was helping me. I am XXXX yr old and XXXX XXXX XXXX so I have trouble getting around. Also XXXX XXXX  when I got my social security check in XXXX of this year I noticed someone was using a card to take out cash and make purchases. I immediately called my bank Truist and reported it. They had sent me a new debit card and this lady got it out of the mailbox and started using it. She had gone to the store for me in the past with previous card so she knew pin to enter. I called the bank immediately and gave her name and boyfriends name. Bank refunded one purchase boyfriend made to ex girlfriend but thats all I have gotten back.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX, account number XXXX is reporting a fraudulent on my account that arose from IDENTITY THEFT. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Please delete this account immediately im not liable for this account nor did I make any agreement with this company. Thank you for your time in this matter. As my consumer report is of extreme importance to me.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (DE)

I set up a payment plan to settle the debt. Before my last payment of {$2200.00}, I received confirmation over the phone and by email that the collection would be removed from my credit report after my last payment which was made XX/XX/2024. I've attached the settlement offer email clearly stating this. The most recent times and dates I called NCB Management on a recorded line - specifically XXXX XXXX on the phone are XX/XX/2024 at XXXX XXXX and XX/XX/2024 at XXXX XXXX and the settlement offer email was from XXXX XXXX .

I saw that the collection on my credit report was updated to " paid '', not removed as promised. I disputed with the credit bureaus and it still wasn't taken off. They have committed fraud by not honoring their verbal and written agreement.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC (MT)

My ex sister in law received a call telling me that the person on the phone was trying to contact me. I called them back and left a message. I received a call today at XXXX XXXX onXX/XX/XXXX. I was trying to get information about this debt l owe. They stated that I owe {$1900.00} and they would take XXXX if I paid today. I told them to send me the paperwork about this debt. The person on the phone got really upset with me. I also told her that I do n't have a checking account and have n't sinceXX/XX/XXXX. She was very belligerent towards me because of my response to her.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

They have repeatedly been asked to stop calling me. They were contacting me on my cell phone. I tolerated it, even though I warned them numerous times if it didn't stop I would file a complaint. Now today, they called me at XXXX on my OFFICE PHONE. I immediately told them to stop calling and hung up. This company, no matter how many times i have warned them to stop contacting me, still continues to harass me. The name of the company is called Portfolio Recovery Services. I am a small fish, if they are doing this to me, XXXX knows how many other people they are doing it to.
Consumer complaint received 2024-04-20
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: U.S. BANCORP (IN)

I sold my property in XXXX  and it was paid in full from the funds of the sale. US Bank has not removed the debt from my credit report. Because of that it is showing up as a unsatisfied debt that was not satisfied on my credit.
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. (MI)

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 XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I try to withdraw XXXX dollars on XX/XX/2023. And after a week, on XX/XX/2023, the money is still not transferred to my XXXX XXXX account. Between XX/XX/2023 to XX/XX/2023, I called them multiple times asking whey it is still pending, and they told me it is just normal process. And on XX/XX/2023, I call again, they told me the transaction is declined. And I ask ed How should I get my money back, and the answer is " I don't know, I did my best ''
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

This property belongs to an XXXX XXXX  XXXX XXXX XXXX The family was left with these properties without a will. 
They had to go to Court and fight to try and save the properties. 
They received no notice from anyone concerning a property sale date for XXXX XXXX XXXX, XXXX, NY XXXX. 
When the family tried to find the contact for this property, they called XXXX And there was no one to speak to they could not find the property address on their files or a loan number. We contacted Ocwen Loan Servicing with the loan number from XX/XX/2013 and they could not find or locate any information concerning the property. 

Now a person has been calling by the name of XXXX from XXXX. 
There has never been any notices of any kind sent to the Administrators of the XXXX XXXX XXXX the grand son or the co-administrator were never notified of any foreclosure by Ocwen Laon Servicing or XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-11-23
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My XXXX XXXX credit card that I barely use had an unpaid balance ( {$15.00} plus late fees = {$43.00} ). The account was paid as soon as I was notified and I also closed the account. XXXX XXXX has now hit my credit report 3 times one with a XXXX balance entry despite the card being paid off and closed. I have contacted XXXX XXXX multiple times and the problem continues.