davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-01-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-15
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. (OR)

My information was shared without my consent and obtained in a way not allowed by law. 
I sent my first letter off XX/XX/XXXX, second letter on XX/XX/XXXX to remove accounts that are violating my rights and to remove inaccurate personal information that I do not want on my credit report, and third letter XX/XX/XXXX with an identity theft report and inaccurate personal information that the credit agencies are refusing to remove According to 15 usc 1681 I have the right to privacy and confidentiality.

Also according to 15 usc 6802, a financial institution is not allowed to share any of my private non public information with a non affiliated third party. 

These are clear violations of my rights as a federally protected consumer under title 15 chapter 41
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

My information was shared without my consent and obtained in a way not allowed by law. 
I sent my first letter off XX/XX/XXXX, second letter on XX/XX/XXXX to remove accounts that are violating my rights and to remove inaccurate personal information that I do not want on my credit report, and third letter XX/XX/XXXX with an identity theft report and inaccurate personal information that the credit agencies are refusing to remove According to 15 usc 1681 I have the right to privacy and confidentiality.

Also according to 15 usc 6802, a financial institution is not allowed to share any of my private non public information with a non affiliated third party. 

These are clear violations of my rights as a federally protected consumer under title 15 chapter 41
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

I applied for a Best Buy Credit card on XX/XX/19 and my application was not instantly approved. I had to unfreeze my credit report and perform additional fraud prevention verification with a representative over the phone. My application was approved and I made my purchase and also registered my account for online access. When I received my order, I tired to view my account online to confirm the total charges. The website said it was unable to see my account. I finally get my card in the mail on XXXX and I go online to try to register it to verify my account activity. It prompted me to call customer service. I get to a Fraud representative that informed me that my account is locked for further verification and I failed to respond to their contact attempts. 

Citi never called me, nor did I get any papers in the mail to reach them. She told me I would need the letter I was sent, or get ahold of my other Citi credit cards to get into the account. I explained that I was at work and didnt have access to the cards. She told me I would have to call back and refused to help. She then transferred me to XXXX in Florida with ID # XXXX. XXXX also refused to tell me what was going on, and also told me I would need the other cards. I explained they were in my car and I was unable to get them, but I do know the information she needs. She refused to take that information. She then raised her voice at me and told me to " GO GET YOUR WALLET '' while talking over me. I then told her I did appreciate her being rude and yelling at me - she told me " I am sorry that you feel that way. '' She refused to tell me my payment due date or if I had a payment due. I asked for her supervisor. XXXX told me they would tell me the same information. The new supervisor never apologized for XXXX 's behavior. She did have me verify my bank account information and was able to unlock my account and explained that they thought it was fraudulent. I asked her why XXXX couldn't ask me that - she stated she would have to provide feedback. 

Best Buy and Citi Bank made me feel like a criminal and treated me as if I was committing fraud. They clearly do not value their customers, nor do their Fraud representatives treat their customers with respect. I should not be degraded and yelled at by a CSR when calling to get help on my account. XXXX refused to help me and went out of her way to avoid the established Verification processes set forth by the bank to assist me with my account while her supervisor was able to easily assist. Citi should not also refuse to help me or provide me the information needed about the account that they did additional verification with and approved me for. Lastly, Citi also refused to verbally take a formal corportate escalated complaint via telephone and refused to provide a mailing address or fax number to Best Buy Corporate.
Consumer complaint received 2023-12-06
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. (NJ)

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-15
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
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 remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

In XXXX of 2021, I was using Coinbase Pro 's cryptocurrency exchange to trade and store various cryptocurrencies. I had initiated a deposit from my bank account, which allegedly did not clear after Coinbase Pro had already credited the funds to my account, and I immediately used those funds to purchase several types of crypto. My account was frozen and I was instructed to return the amount of the deposit to my account within 5 days ; and that at the end of 5 days, if I have not done so, the current balances of crypto will be sold to recover the specific amount. My account being frozen was disabled from making deposits withdrawals, or trades ; so I couldn't return the money. Then, after 5 days, all of my funds disappeared from my account. The total value of these funds totaled over three times the amount Coinbase claimed to be seeking to recover. I have submitted multiple claims to inquire about the rest of my funds, but support either avoids the issue by endlessly asking me for information and screenshots of info they already have, or denying that anything untoward has occurred ; or just ignoring my complaints altogether. One support agent told me that I had sold all of my crypto funds and that's why it was at zero. And I responded, reminding them that my account was frozen during the times that these trades, which cleaned out my account, occurred ; that it couldn't have been me who executed the trades ; after which, they stopped responding.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (CA)

Anima account paid off in XX/XX/2021. XXXX, XXXX, XXXX all is required by law to update my balance information according to the Credit Bureau Law Act. I have not seen an update since XXXX of 2021.
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C. (FL)

I have a collection reporting on my credit reports for a medical debt that been paided long time ago to the original debtor university XXXX XXXX ( faculty associates ) I reached out to them over 3 times and each time I was told the account would be removed from my credit but account is still showing
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IN)

On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from Midland Credit and they were calling about a Debt with XXXX XXXX. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from XXXX and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from midland credit.
Consumer complaint received 2019-12-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I attended XXXX College in XXXX, and graduated in XXXX doing a 9 month program. My school was closed down a few months after I graduated for negligent activities and fraud. 

When I signed up for the program I had to take out a private loan. The process wasn't clearly explained to me and I acquired a very high interest rate through Sallie Mae. After graduating I deferred my student loan after going back to school. No one from Sallie Mae said anything about interest incruing, and the forbearance process was explained to me as if everything freezes until I'm finished with school. That was a lie. 

So this loan keeps growing and anytime I asked Sallie Mae about refinancing it they said I couldn't do that. I don't have very good credit because of countless health issues and prior medical bills so I can't refinance it through a bank. I'm also now XXXX and not working. 

When they switched my loan over to navient I had the same problems. They were calling me nonstop for years and every bit I did pay didn't go to the principal of the loan. I was paying the loan back through one of  their payment assistance programs that was for a year period and would need to be renewed after a year. I had to authorize debit card transactions. Navient has been trying to take money out of a bank account that is no longer open, that I had over three years ago, that they do not have access to, and was not agreed to based on last payment program I was on. This was a bank account that I haven't had since XXXX and have tried to delete from their website. 

They do not, and have not had my permission to charge that card since at the very latest, XXXX. How is this legal? I have also tried to get a XXXX loan forgiveness and they say they do not do that for private loans.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction. {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} I filed a dispute with Chase. I was told that it was denied because I still had my card in my possession and that the chip could not be copied. Within a few minutes of research I found that the chip could be copied and banks want to try to blame you for fraud first. I asked what documents could I provide to prove that it was not me. They said nothing. Its nothing that they could do and not even a police report would help. The first representative that I spoke with said that all someone needed was my account information to take my money. This is not right!
Consumer complaint received 2023-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-28
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 (NY)

On XX/XX/04 a transaction from XXXX XXXX was sent to a user. I havent Used XXXX XXXX in years. I filed fraud both through my bank account as well XXXX XXXX giving them proof it wasnt me and havent used their services and still was denied
Consumer complaint received 2022-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/2021 Midland Credit Management open a collection. 
Account # XXXX {$2600.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and they have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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: CORELOGIC INC (WA)

XXXX, XXXX, XXXX credit report : Please remove the following inquiry from my credit report immediately. 

CoreLogic requested my credit report on XX/XX/2022 without my consent.
Consumer complaint received 2023-01-15
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. (CA)

Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}
Consumer complaint received 2022-12-22
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. (MO)

This is my 6th 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 Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXBalance : {$990.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX