davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (FL)

XXXX In response to my complaint XXXX You responded XXXX XXXX the Federal Stafford Loan that was disbursed in XX/XX/1997 for XXXX XXXX XXXX XXXX and there is no record of payment for this loan paid in full. In response to your reply : Do you XXXX have ( 1 ) proof of a signed documents, ( 2 ) copy contract or invoice XXXX XXXX XXXX for XX/XX/1997 with actual signature? ( 3 ) If you " XXXX '' can not prove with more detail information besides of loan disbursed with amount now owed {$1600.00} and date provided XX/XX/1997 from the original creditor. I never gave consent as a consumer to XXXX reporting anything As stated below in Accordance with Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681 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 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 2021-01-28
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. (FL)

The credit bureau is continuing to report an erroneous report on my credit file from XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted from my credit report.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Called XXXX, XXXX XXXX and XXXX back in XX/XX/2023 and XX/XX/2023 let them know that this acct is no longer being disputed, and to remove it and delete it from reporting on my credit report. this is fraud as this account have already been paid, and by reporting it on my credit report hurting my credit score.it is now XX/XX/2023 and this negative items are negative impacting me directly with my credit score and causing me to be denied loans.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

Back in 2020, I had a collections show up for XXXX XXXX  that I have disputed in the past with another collections agency. The account was removed and deemed fraud. I have never ever had XXXX XXXX  in my life. Since I have found out about this account in 2020 I have made all steps to protect my credit against fraud, using multiple companies to alert me of anything that appear or if someone tries to use my credit. I pay {$450.00} for 3 separate services monthly. As soon as this hit my account, I was made aware. I was never sent a letter from this company before they abruptly added false and fraudulent information on my credit. To date, the company has not been able to produce anything with my signature stating I agreed to any such services or agreed to pay any amount. The last information was when it was removed after filing a report here and it was marked as fraud with XXXX XXXX. This is causing me extreme XXXX  just as I started getting my life back to normal. It came at such a surprise, I had to leave work and come home. This is not good for my health right now. I have also contacted my attorney in regards to this. I want this company to remove this off my account immediately as it is not my account and I never agreed to any services with this company nor did u sign any contract signing up with this company. The amount of this account is rather significant for cable TV which is another concern for legit consumers. If the account isn't removed, I will be taking steps for damages not only to my credit but my mental and physical health as this is fraudulent 100 %
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I applied for a mortgage and a debt collection agency was on my account for a XXXX credit card that is under a different name. XXXX XXXX  acknowledges that the person who opened the account is paying and her name is XXXX XXXX XXXX, but they will not send a letter to the debt collector or the credit bureau stating that this was erroneous for up to 60 days. This was their mistake. That isn't even my name. It is ruining my credit and keeping me from getting a home. The account with XXXX  isn't even on my credit report! The reference number is XXXX with XXXX.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In my original investigation request sent XX/XX/2021 I asked for Equifax to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. After that, I sent a letter on XX/XX/XXXX asking for them to please remove the accounts below from my credit report because I found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated my file. Which is against the FCRA law.
Consumer complaint received 2020-01-06
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: Neon Newco Corporation (IN)

On XX/XX/2019 my account was charged XXXX from the University of XXXX. This was an unauthorized purchase. around 10 minutes  later a second charge from the University of XXXX appeared with the same amount XXXX. When I contacted the people at Netspend I was told once the purchases were no longer pending they would be removed. They were not. When I contacted Netspend the second time I was forced to report my card stolen and an investigation was opened. I was told that would be resolved within 3-5 business days. Again no result. Now every time I call ( 4 times so far ) I get a run a round or a different answer. It has become clear that this issue will not be resolved and that this company is attempting to steal from me.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

Merchants credit guide continues to send me mail and report I owe to the credit bureau and that XXXX told them to do so. This is incorrect I contacted XXXX myself and have proof mailed in to each credit bureau that I have XXXX balance and this was taken care of. I have a XXXX  XXXX I was homeless and XXXX held under a XXXX XXXX. This was never even billed to me or even had a home to mail the bill too to even be aware of it. I lived in shelters, on the street and ended uo attached with XXXX  and XXXX XXXX and XXXX and put in a XXXX XXXX  for almost another year. XXXX told me Through maio  and over the phone to disregard bill. I have the proof and paperwork and have mailed it to everyone. Including the credit agency still reporting i owe. Its called a gift or care and also its against my rights to charge me while holding me against my will. I have proof of XXXX, homelessness, etc. Gift of care was what XXXX referred to as balance owed being {$0.00}. I sent the letter from XXXX to MCG and they still are saying I owe a balance which I do not. I also qualified for XXXX at the time and that was never run through nor was I able to make any mental or financial decisions due to my XXXX  XXXX which I still suffer from and XXXX. Please remove from credit I have contacted them multiple times and they refuse to resolve the issue when XXXX already has. Account balance is {$0.00}. Completely covered. Admission XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and was sent out to additional XXXX hospitals immediately from there. I received no info about any of this until I was stabilized enough and checked my credit to see this and was appealed. The way they have treated me after multiple calls is not okay. Please help. Thank you!
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WA)

Opened Citibank checking account in XXXX, 2020 with a promotional bonus of {$400.00} for meeting deposit requirements and maintaining a {$15000.00} account balance for a 60 day period. The terms of the offer is the money will be deposited within 90 days of meeting the requirements. It has been almost four months and no monies have been deposited.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XXXX TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX XXXX XXXXXXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXXXXXX, ACCOUNT NUMBER XXXX OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS XXXX XXXX AND XXXX  XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT XXXX PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE CONTACTED YOUR COMPANY TO GET THIS RESOLVED AND RECEIVED NO SOLUTION. 

UNDER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave any written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

Concerning the following accounts below as a consumer, I'm demanding them to be DELETED from this account. 

XXXX {$53.00} # XXXX XXXX {$520.00} # XXXX
Consumer complaint received 2021-06-22
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. (TN)

XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.
Consumer complaint received 2024-06-06
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. ()

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2021-06-22
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. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX XXXX XXXX I have informed the consumer reporting agencies Transunion, XXXX XXXX XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I ordered American express Serv card, because it allows you to add money from credit cards, others don't.So, I added money twice, no problem.Now, they put a restriction on my card, and said they no longer allow this option, no notices nothing, left me in a Bond.I said, well you still have the option, on you app to add money from credit card.U want them to honor that, until they take the option off their site.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021 Bank of America allowed a company called XXXX to clean out my bank account. They stole over {$1000.00} and left my account over {$100.00} in the negatives. As a result, I will not be able to pay my rent in 5 days, and will incur {$150.00} in late fees, as well as risk being evicted. I have never paid my rent late once, but because of Bank of America 's gross negligence, I will have a mark on my rental history. It is bad enough that Bank of America denied me a secured credit card for no legitimate reason, or that they have been charging me fees that I did not agree to for the past 2 months, OR that they don't allow customers to dispute transactions via the app, but obviously they do not care to protect their customers ' assets, either. They are TERRIBLE at customer service, and I want nothing more to do with them.
Consumer complaint received 2023-08-12
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. (IL)

XXXX and Equifax continue to report inaccurate information that is causing me harm. 

XXXX is reporting late payments for XXXX and XXXX while Equifax is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
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. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but I just remember I could file a report on here as I feel they are not doing there job properly and it is affecting me a great deal as I used paypal quiet frequently my email linked to my Paypal is XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Scheduled a payment online on XXXX XXXX to be taken out of my checking account. 
The payment was due on XXXX XXXX, the payment was not taken out of my account until Monday XXXX and Citi Bank XXXX card charged me {$48.00} interest charge.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have a loan with CITICARDS CBNA and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CITICARDS CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and CITICARDS CBNA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-06-22
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. (CA)

XXXX XXXX notified me of an inquiry on my Equifax credit report. When I contacted Equifax on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access. 

I had informed Equifax that I never authorized a credit report " pull '' to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me. 

Equifax has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers. 

I have also contacted XXXX XXXX, XXXX but there is no way to get a hold of a human being so I left a message. 

Please help!!!
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

HI COI ; XXXX ; : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.