davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

Dear CBNA, I am writing to address a concerning matter regarding an inquiry reported by CBNA, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for CBNA to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying CBNA to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that CBNA neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to CBNA. Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action.

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (FL)

I have had an account with this company with direct deposit of my paychecks for 5 years. I checked my account balance on XX/XX/XXXX and noticed a charge for {$99.00} made at a XXXX station in XXXX, FL on XX/XX/XXXX that I knew was fraudulent because it was not my purchase. I immediately called Netspend and cancelled the debit card and filed a dispute of the charge. I advised them that this purchase was not made by me. I was provided a case number and advised that it would take them 10 business days to investigate the matter. On XX/XX/XXXX I received an email from them stating that I had to submit a request in writing within 10 business days for refund of the disputed charge. I submitted the written request on XX/XX/XXXX.
The issue still has not been resolved.
Consumer complaint received 2022-05-29
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY ACCOUNT XXXX HAS VIOLATED MY RIGHT. 15 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES IA CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

1. sent a debt valadation letter no response violation of 15 U.S. Code 1692g ( b ) Collector must cease collection efforts until debt is validated Validation of debts proof letter was sent certified mail and signed for proof in the attachments 2. all three credit bureas and this company continue to furnish inaccurate information after being warned violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. this account was closed should be closed but the account status shows open a collection account law clearly states must be 100 percent accurate and i never gave written consent to furnish anything on my report also this company is not registered with the DFPI PURSUANT TO THE CALIFORNIA NEW ACT ( DCLA )
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All 3 credit bureau have about 20 inquiries that was not through me allowing any of the companies that applyed hard and soft inquiries to my credit reports I'm not familiar and responsible for any of them listed I have lost my wallet while back along with my sec inside it seems to me they was done by someone claiming to be me are used my info I tried disputing all them and get nowhere with it I would like them all deleted asap please making my score look very bad please help me
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (MD)

I received a voice message from Penn Credit XXXX about collecting a debt. I have never had an account with Penn Credit I called back and inquired why they called. He asked me to confirm my name and I said yes and then he asked for my address. I told him " XXXX no '', not until he tells me the reason for the call. I asked him repeatedly " Why are you calling me? '' He then proceeded to say that I was talking over him and it is an important matter for XXXX XXXX XXXX. I said if it important, then send it to me in the mail. He said oh this is going in circles. I said it can but you need to answer my questions as well. He then hung on me. Then called me back 2 more times, but my phone app blocked it due to suspicious activity. I looked up the number and saw multiple complaints. I also looked at their website to confirm the phone number.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Lvnv Funding is trying to collect a debt that is not mine. There was a fraud alert placed on my account 5 years ago. I have no business with LVNV and was never called on fraud alert number to give ok to open business with them.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I was using my chase credit card like a regular credit card one day it just got declined so when i called chase they just told me that they decided to close my accounts and end our relationship with no reason for why it was done.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDICO. INC (MN)

on XX/XX/XXXX i was notified by credit collection bureau out of XXXX XXXX sd i was contacted on XX/XX/XXXX by XXXX who stated, '' this is a call from a debt collector. '' she then stated she was calling regarding a XXXX XXXX bill for my son XXXX, who is now XXXX but the date of service was XX/XX/XXXX which would of made him XXXX. she stated that there is not a judgement against me yet. i then explained to her she just violated hippa law as well as no mini miranda and the actual debtor is XXXX and was XXXX at the time of service. and i also did not like the threat of judgemnt against me considering it was not my debt. then on XX/XX/XXXX i recieved another call from a XXXX i very quickly stopped her she again no mini miranda i explained again i asked for the mailing address and she refused to give it i asked for a manager she said no one was available i insisted she find someone she then put on XXXX XXXX who stated she had seen everything in the notes from XX/XX/XXXX that this was a disputed debt they were calling on. i told her i will be pursuing legal action for several violations as well as notifiying cfpb.
Consumer complaint received 2023-02-17
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. (NJ)

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

Account name : XXXX # XXXX, Account name : 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 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 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX IM BEING CHARGED DOUBLE. 


2. JEFFERSON XXXX XXXXXXXX IM BEING CHARGED DOUBLE. 

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-28
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 Account # XXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXXXXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXXXXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violate my rights. 
XXXX XXXX  Account # XXXXXXXXXX, 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 2023-05-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (FL)

AssetCare LLC is calling, texting and interfering with my phone, computer and television. I have contacted them and the original medical provider of services to clarify I dont owe this. At the time of services rendered I provided my insurances and they have paid all claims. 
AssetCare has purchased the debt third hand and is trying to collect from me. The most alarming part is the debt amount has changed several times. They are requesting a settlement of {$130.00}. 

I want the interference with my electronics to cease immediately. As a senior its very uncomfortable having this challenge. 
Thank you for reviewing this matter. 

XXXX XXXX
Consumer complaint received 2022-05-28
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. (TX)

The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA
Consumer complaint received 2022-05-28
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)

For XXXX  years, I keep requesting the permissible permission used to access my credit report in XX/XX/2017 by XXXX XXXX XXXX XXXX and Experian. However Experian and XXXX  keep sending the attached Account History and Contract documents.????? Do these companies have a language barrier?
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BMO Bank, N.A. (KS)

On XX/XX/XXXX and XX/XX/XXXX my twos money markets accounts were hacked at BMO Bank for a total of over XXXX. I caught it on Monday XX/XX/XXXX and reported it to BMO immediately. They told me they had fraud insurance and I would get the funds returned in XXXX to XXXX business days. It has been over XXXX weeks, the fraud department will not even talk to me. All the bank can tell me is that is under investigation. I also reported this incident to the XXXX Police Department and the Federal Trade Commission. I just want to get all my money back. The Banks job is to keep their clients money safe and they should have mechanisms in place to trigger any suspicious activities in customers account. The hackers were doing these transfers to XXXX for XXXX  days and they did not even notice anything out of the ordinary until I went to the bank on the XXXX and looked at my statements. I did not get a phone call or anything to ask me if I was the one making those transfers.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (CO)

Submitted a letter XXXX XXXX requesting a partial release of land which serves as collateral for the mortgage Provided all documentation including sales agreement. Platt map appraisal  etc. I have sales contract pending and have contacted Freedom mortgage a dozen time and the response I get is they just received the information Have been advised process would be complete on XXXX different dates- none of which have been met. The sale may fall theu because of them
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022, I sent a {$2500.00} international wire to pay a company in the XXXX, converted into GBP. After hearing from the recipient after multiple inquiries that they never received the funds, I went to a Truist branch in which the bank teller confirmed the {$2500.00} international wire transfer was sent out as XXXX GBP. When I asked them to do a wire trace, I received a reference # but then a banker told me that they could not help me and that I had to call a certain Truist customer support #. I did this multiple times, staying on hold for each time for over 30 minutes, and no one picked up. Terrible customer service! I need this wire trace done and to get back this {$2500.00}, which supposedly this company in the XXXX never received.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (TX)

*Citi Bank is reporting an old account that s not mine I have a federal report were my identify was taken. I've spoke to them about this and paid to try to have it removed no one can ever direct me to the correct person. 
Citi bank account number on credit report XXXX Amount XXXX Date XX/XX/XXXX *XXXX  XXXX  This account is saying to be from XX/XX/XXXX. I paid this account it is not mine but I was advised to pay XXXX to remove it. It's still on credit report. 

*XXXX  XXXX  XXXX  XXXX  Is reporting late I had XXXX account with this company and paid it off this is not my account. 

*XXXX  XXXX  is reporting I was 30days late on payment I was never 30days late. 

I have called these companies numerous times with no justice I have my federal investigation report. 
Please explain to me what can I do to fix this.
Consumer complaint received 2023-03-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I review my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to update these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00}
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 1681 c. ( 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 the records of convictions of the crimes which antedates the report by more than seven years.
Consumer complaint received 2022-05-28
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. (SC)

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 1681 c. ( 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 the records of convictions of the crimes which antedates the report by more than seven years.
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (TN)

I have information reported on my credit from XXXX XXXX XXXX for an incorrect amount. When I called the original creditor Citi Bank for Best Buy Visa they advised me that they did not have any records of an amount I owe, they just stated to call XXXX XXXX XXXX. So if they original creditor advised over the phone that they do not show how much I owe. How is that XXXX XXXX XXXX can report to my credit? And now they have some attorney 's office XXXX XXXX involved as well. When I called XXXX XXXX XXXX they would not provide any info other than XXXX XXXX which is another debt collector. So you have a debt collector trying to collect for another debt collector.. XXXX XXXX are stating they can provide proof of the debt only, but not the original contracts or statements.