davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
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. 

XXXX XXXX XXXXXXXX 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 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 2020-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westcreek Financial (TN)

This company is up to their tricks again. Reported twice on my credit report late when I paid off this loan from what I borrowed. 

I also believe it's a retaliation of all of the call complaints I filed against this company. 

PLEASE SHUT THIS COMPANY DOWN. They are thieves. I financed {$2900.00} and they wanted me to pay back {$6200.00} approximately. This company is worse than a payday loan. 

SHUT THIS COMPANY DOWN.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (OH)

I contacted the company on XX/XX/2023 regarding an alleged debt which has been furnished to XXXX XXXX, XXXX, and XXXX, that is damaging my credit worthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I contacted the company and spoke with XXXX in Texas to resolve the matter ; and during the conversation she used obscene and profane language to abuse me. I mentioned that I sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act and she admitted that it was received in Mid XXXX. Unfortunately, I have not received any correspondence by US Mail. The company is in default and has failed to respond.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX
Consumer complaint received 2022-11-13
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. (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 XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, THE BUREAUS 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-23
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. (NY)

I am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2020-03-10
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: CITIBANK, N.A. (AL)

Hotel reservation for {$700.00} made with my CITI Bank credit card on XX/XX/2020. Several days later cancelled the reservation in accordance with the hotel policy as my travel plans had changed. I initially filed a dispute on the charge with CITI as the hotel said they could not refund my credit card. I subsequently cancelled the dispute as the hotel promised instead to refund the money to a checking account. After a month it was evident they were not going to do this either, so I called CITI to reopen the dispute. CITI told me the dispute could not be reopened since it had been closed. I asked their dispute department to contact me and they have not done so. This dispute should be reopened and investigated by CITI Bank.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I've try to make payments on BestBuy.com to promotional balances. It never works to try to apply to a particular promotional balance. However, the website states that it automatically applies the payments to promotional balances. I got an interest charge in my XXXX Bill for the amount of {$1300.00} for an item I bought 2 years ago, which was 24 months no interest. I've been making payments on time and substantial amounts i'm not sure how they've been applying the payments to the promotional balances, and i'm surprised how much they didn't put into my promotional balances. Every time i try to emailing them through their website regarding this and press send the screen goes blank. I'm not sure they are getting my emails and it is frustrating. I work during their hours of operations email is the best options. I want a list of how all my years of payments for the past were applied to my my promotional balances.
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital One Bank and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. I did not consent or authorize XXXX XXXX XXXX obtaining my nonpublic personal information and unauthorized use of my credit card defined under 15 USC 1602 ( l ) is a violation of 15 USC 1602 ( p ). Consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. Capital One Bank illegally transferred the account in reference without lawful authority to XXXX XXXX XXXX which is a violation of code 18 USC 1028 ( a ) ( 2 ). I have never conducted business with XXXX XXXX XXXX and I have not benefited from this transaction which is also a violation. Without lawful authority, by using means of my identification XXXX XXXX XXXX is committing aggravated identity theft. XXXX XXXX XXXX is attempting to collect on this account by extortionate means pursuant to 18 USC 894. Due to continuous acts of deceit, coercion and intimidation, my consumer report has suffered drastically. Therefore, I would like to inform XXXX XXXX XXXX that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity as well. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a letter stating that I owed {$2500.00} to XXXX a company that I have never done business with and offering a settlement amount of {$760.00}. Normally of collections letter they say something regarding disputing within a certain amount of time but this one does not say that. But it does say due to the age of the debt law prohibits me from being sued or from it appearing on my credit report.
Consumer complaint received 2022-11-13
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-06-06
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. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-03-10
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. (MI)

I have a credit repair company helping my husband and I repair our credit. They have sent disputes to all 3 credit Bureaus, XXXX  and XXXX  have updated our credit report accounts however Equifax has not. When I have called Equifax they said they never received anything from the company. When I have asked why they haven't updated our credit reports with updated information about our creditors accounts ( because last month we have paid down a lot of our dept. They told me that whenever they get the updated information from our creditors they will. When I told Equifax that I knew that they have the updated information because XXXX and XXXX  have updated their information. I got that I have to file a dispute. So I did. But I feel Equifax is not doing their job correctly. Something needs to be done. 
Thank you XXXX
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (OK)

An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX XXXX XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX XXXX  XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning. I never authorized this transaction.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2018-03-05
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. (TN)

On XX/XX/XXXX I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/XXXX, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX balance. 

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

Imagine my shock when we applied for a loan in XX/XX/XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.
Consumer complaint received 2024-03-16
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. (AZ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-06-06
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. (PA)

XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX of disputed information : Secured Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.
Consumer complaint received 2023-05-09
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. (DE)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX Account Number : XXXX Year : XXXX Make : XXXX Model : XXXX XXXX : XXXX To Whom it May Concern : Please be advised that the above-referenced, charged-off account was settled in full for less than the amount owed on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) recognizes that the above-mentioned debt has been settled in full. 
We are in the process of updating our records to reflect the settlement of the above- referenced account. Please allow up to thirty ( 30 ) days for all updates to be reflected with the credit-reporting agencies. Also, please be aware that XXXX is merely a furnisher of credit histories maintained by any credit-reporting agency. XXXX XXXX XXXX can only make requests that changes be made to the credit history and can not guarantee such requests will be honored. 
If you have any questions, please contact XXXX at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All rights reserved. XXXX
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (AZ)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$66.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Justice Finance Company (TX)

On XX/XX/20 justice Finance in XXXX XXXX tx disclosed my account information to someone who is not authorized on my account the company refuses to stop and calls my references and let them know my payments and account details and calls another office asking about me when my account is current