davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this tuation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all iformation associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX Collection {$0.00} XXXX  XXXX Collection {$240.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$240.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX  XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$690.00} XXXX XXXXXXXX Charge-off {$400.00} XXXX XXXX XXXXXXXX Charge-off {$1700.00} XXXX XXXX Charge-off {$0.00} I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 
1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My private information was violated by credit reporting agencies which is not in compliance with the privacy act of 1974.

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

Also On XX/XX/XXXX my information was sold to a third party debt buyer without my permission and or option to opt out.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (OH)

American Express offered me in XXXX of 2022 to add XXXX employees to my hilton honors business card ending in XXXX. For each employee that spent {$1000.00} they would get a {$50.00} credit. On my XXXX statement XXXX employees made that goal. I was only given XXXX {$50.00} credits. The other made the goal in XXXX. I inquired that XXXX, oh you need to wait was the answer, I finally opened an investigation in XXXX. No word from American Express. Being upset with American Express I called to see what was up, they know nothing, so instead of American express charging me a fee again, I cancelled the card in haste. Well now, since it has not been a year since I got employee cards, American express is not doing anything that they should have done back in XXXX. So I am asking American express to either reopen my card and do what they should have done in XXXX or go ahead an issue the {$50.00} credits that should have been given.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Northern Trust Company, The (IL)

Northern Trust has prevented me from accessing my financial information and has not responded to requests on my behalf to access such information. I can not complete my XXXX application without my financial information, information that Northern Trust is withholding. I am running out of funds and must complete my XXXX application as assign as possible. 

In particular, my son has the power of attorney for my account at Northern Trust bank in XXXX where I reside. He is assisting me in preparing a XXXX application and requires copies of my Northern Trust bank statements. I do not remember the answers to my security questions - I am XXXX XXXX XXXX. On-line access to my account is locked. My son has contacted Northern Trust several times and they do not respond. He has provided copies of his power of attorney and identification. 

My son made several calls to Northern Trust. He was told they would call back but they do not do so. On XX/XX/XXXX my son wrote to Northern Trust banking services : Attached please find a notarized General Power of Attorney from XXXX ( prepared by attorney xxxx ) and a Resignation as Power Attorney. In the General Power of Attorney my sister, xxxx, is appointed as agent ; in paragraph 8, I am appointed successor agent. Ive attached a notarized Resignation as Power of Attorney in which XXXX resigns and in which I am named as successor in accordance with paragraph 8 of the General Power of Attorney.

On behalf of XXXX, account no. xxxxx, I am requesting access to the statements in this account. I would like continuing access as I manage my mothers affairs on her behalf. 

Ive attached a copy of the drivers license to establish my identity. 

On XX/XX/XXXX my son again wrote to Northern Trust banking services : My mother is XXXX. She is XXXX XXXX XXXX and infirm. I am following up on my email below. It is essential that I have immediate access to my mothers account to get copies of her statements for her XXXX application. Ive been locked out of online access to her account user name xxxx - because shes forgotten the answers to her security questions, at XXXX she has memory issues. Ive again attached the POA that gives me authority to handle her financial matters. I have been trying to get this access for several days through several calls with a promise of a call back that has never come. 

Please let me know if anything else is required. My mother is running out of funds as you can see from her balance, and we must complete her XXXX application now. I am surprised that it is so difficult to get service from one of the largest banks in the US. 

I expect some response this week, XX/XX/XXXX notwithstanding. My next action will be to hire an attorney to resolve this issue through XXXX XXXX XXXX office and take the matter up with the various Federal and State of Illinois consumer protection agencies that oversee the bank. xxxxx is a long-standing customer of the bank and it shouldnt have to come to this.
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TRUIST FINANCIAL CORPORATION (PA)

A XXXX employee filled out an incorrect telephone when they created an XXXX loan on a tablet. I was unaware because there existed no paperwork, etc. and was purchasing a XXXX contract, not an XXXX loan. At some point in 2021 I needed a new credit card due to theft, and it should be noted the bank I use permits charges from previous business. Long story short, XXXX was charging my old card for a year up until they [ presumably ] made a system change in XXXX and the old card no longer worked. XXXX did ( to their credit ) call the incorrectly entered phone after some number of failed charge attempts due to the closed card. The number in their system was for my fianc and she ignores spam calls. I found out about the issue when my credit dropped XXXX points and am certain XXXXXXXX has systemic issues after looking into them on XXXX and other consumer protection sites. I immediately called and brought the account current with a new card.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (GA)

I recently received a credit report update that showed a new credit card opened up under my name. The card is with TD Bank ( which I have no knowledge of doing ) and is associated with an address and phone number that I have never lived at / used. 

This card was opened on XX/XX/22 and I believe this was an incident of identity theft.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2022-11-11
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. (NJ)

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

because the list of accounts below are not accurate. The open date, date last active, High Credit, Last Reported, Date of Last Payment. 

XXXX XXXX they did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (DC)

On XX/XX/2023 I received a collection notice dated XX/XX/2023 on my XXXX credit report from CREDIT CONTROL , LLC, that the original creditor : XXXX XXXX, shows a past due balance of {$2300.00} in my name for an address XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I have never had a XXXX XXXX account or been associated with that address or even been to the city of XXXX. 

After immediately contacting XXXX XXXX at XXXX on XX/XX/2023 ( forwarded to XXXX ), they refused to provide me with any account information until I produced a government ID in person at a store. The closest XXXX store is a 5+ hour round trip drive away from me. 

I have called the collection agency multiple times and left a detailed voicemail on XXXX during their posted hours however, there was no response. 

At this point, I do not know the account number, what product or service was purchased, or even what date the fraud occurred. I can not submit XXXX 's internal fraud report because I have no information to create a police report. I welcome the opportunity to verify my identity ( other than traveling 5+ hours ) and welcome an opportunity to work with XXXX should they provide it. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) failed to verify the identity of the individual opening the account. Now they fail to provide any proof of debt or any details about it. Furthermore, XXXX  fails to have procedures in place for non-local consumers to prove their identity or resolve fraud issues.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

There are unauthorized hard inquiries from list below, I did not apply for their credit cards, and called Experian XX/XX/XXXX to file a dispute, but they ignore my complaint, and the hard inquiries remains. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX
Consumer complaint received 2023-07-04
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: Resurgent Capital Services L.P. (FL)

I disputed 2 entries on my credit report maintained by XXXX Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified. 

On XX/XX/2023, I sent XXXX Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed. 

I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute. 

On XX/XX/2023, XXXX delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an XXXX specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. 

First of all, XXXX provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR XXXX. 

I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these XXXX entries being reported on my credit report.
Consumer complaint received 2022-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (FL)

I was a XXXX customer for dental aligners in a program that was also to include several checks by a dentist. Being that I was unable to receive adequate dental care with the program products were returned and refunds were issued. The debt collection company by the name of XXXX also doing business as XXXX solutions continues to try to collect on a debt that I do not owe and whenever I try to call to try to resolve the matter I am either told that they do not have to talk to me or a representative of the organization disconnects the phone line and hangs up on me or transfer me to another representative who continues to repeat the same actions. I am unable to resolve the issues through normal channels so I am resorting to reaching out to the bureau for further assistance. Although I have told this debt collector numerous times that I do not owe the debt the so they need to cease further contact with me the company continues to call and text my cellular phone using an automated dialer although the phone number that the company contacts has been on the XXXX Not XXXX XXXX registry for a number of years.
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-11-11
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. (TX)

sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I want the CFPB to publish this description on consumerfinance.gov so that others can
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Opened the account a few months ago, added my husband to it as well. We both sent in all required documents as requested. We received no further communication that USAA needed additional documentation through phone, text, email, mail, or their account message system. They closed the account without warning leaving us without access to our money until the paper check arrives in the mail. I dont have any documents to show what happened as they never sent any and the account is gone. I called them for help and they told me their is nothing they can do because the account is already closed.
Consumer complaint received 2022-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (MS)

On XX/XX/XXXX I received a call from an XXXX number, it was a recording. They told me that I had a collection with them for " they gave the exact amount '' approximately XXXX. They wanted me to pay {$50.00} for XXXX months then get reevaluated. When I asked for proof of bill, etc they said it's in policy but wouldn't give me any proof. I want to see the bill and prove that it was me.
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 — Public record information inaccurate
Company: LEXISNEXIS (FL)

LexisNexis Consumer Center, provided incorrect information to XXXX XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX XXXX that states LexisNexis is not able to correct or otherwise alter the information contained on a credit bureau 's report but it can facilitate the dispute of information that is accurate, incomplete or out of date. Reference # : XXXX LexisNexis willfully violates the FCRA. By not reporting accurate information on reports it supplies to Companies. Due to the reporting of inaccurate information my XXXX XXXX was doubled by XXXX.
Consumer complaint received 2024-02-20
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. (NC)

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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number: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 2022-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I made a purchase from Bose.com on XXXXXX/XX/2022 for {$500.00} under order # XXXX. 
The order never shipped, so I cancelled the order, however, I was still charged for this purchase from XXXX and the full amount was deducted from my checking account. 

I contacted XXXX and explained that I cancelled the order and that I would like a refund for the purchase. They told me that I need to contact Bose to resolve the issue with them. 

I then contacted Bose and was told that XXXX is responsible for the refund of my order and that I would need to contact Bose for a refund. 

Neither company is taking responsibility and I would just like a refund of my {$500.00}. 

Thanks.