davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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. (NC)

In accordance with Fair Credit Reporting act XXXX  # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 1692 section C : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX  postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Consumer complaint received 2022-12-19
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-04
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-11-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau (IL)

This company is putting a delinquent account on my XXXX credit report, when it fact this delinquent account does not even exist. Their client, XXXX XXXX, used them to collect a debt that insurance paid, and they are inaccurately reporting bad data in my credit reports. I WANT THEM DELETED ASAP I believe that they might be under violation of the FDCPA for misrepresenting the fact I owe them money. I need them rectify ASAP
Consumer complaint received 2022-06-04
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

I tried to make several attempts to pay on the card using the app. I believe there is a flaw in their system. The payment said received then weeks later it said rejected and I was never notified. I called customer service and was told to try again which I did which was also recjected. I then called my bank and paid with my debit card vs paying through my account and it finally went through. Everything seemed ok afterwards and was told there would be no worries. They then canceled my card because I missed 2 payments ( which is simply not the case ). I was told to reapply if I wish to have credit and that they would not reinstate my card. I find this to be absolutely ridiculous because I attempted to make the payment on more than one occasion.
Consumer complaint received 2020-02-23
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: Clarity Services (TX)

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Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I unfortunately underwent a series of financial hardships and when I called the student loan servicer to lower my monthly payments I was instead offered a forbearance which I agreed to not fully understanding that by doing so I will incur over {$200000.00} in additional debt to my already over {$200000.00} in student loans which I obtained in order to be able to attend loan school. I am currently experiencing extreme hardship as I have run out forbearance options and will spend the rest of my life repaying these student loans of over {$450000.00} while not being able to afford to purchase a home for myself and save for my children 's college and other expenses and come up unexpectedly.
Consumer complaint received 2020-02-23
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: Conn's, Inc. (TX)

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Consumer complaint received 2020-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc. (OH)

I have a fraud alert active with an old phone number, I'm having problems getting a car loan because I have a new phone number. I'm having problems confirming identity, I want the alert removed or the phone number updated. My old number was XXXX which is no longer my number, My new number is XXXX Experian makes it so hard for me to get my credit back in good standing. Thank you
Consumer complaint received 2018-07-18
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. (TX)

Experian : I have sent them documentation of police reports federal documents dark wed usage of my personal information that has been going on sense XX/XX/2006 I get inquires that I have not made on my report they remove them then put them back on with out sending me a letter of reinstatement which is a violation I REQUEST THEM TO REMOVE FOREVER THESE INQUIRES OR SHOW ACTUAL SIGNED PROOF ON EACH ONE THAT I SIGNED FOR THEM. I request that every thing be sent through the CFPB because i'm tired of the games played Also XXXX XXXX was a fraud account I complained for years I have contacted XXXX many times with no response so I dont know how you can validate this as mine XXXX XXXX is not a legal investigation I forword fax letters from myself to XXXX XXXX do have records that Experian removes inquires then puts them back on old report from them.
Consumer complaint received 2020-02-17
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. (FL)

I am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled  {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX   XXXX XXXX ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.
Consumer complaint received 2022-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (IL)

BMW Financial has shared my personal and private information with several third parties, including credit bureaus, without my written consent. BMW Financial has shared false and inaccurate information to third parties tarnishing my name and buying power. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information including inaccurate payments, inaccurate balance, inaccurate interest. BMW Financial has charged me illegally for an illegal repossession and BMW Financial 's legal fees. In the contract it does not state that I am responsible to pay BMW Financial 's legal fees at any time therefore I have been charged for items not included in the contract. 

BMW Financial has repeatedly put the incorrect payment amount on my monthly statement asking for extra payment, at times as much as {$1300.00} extra without explanation.

BMW Financial has illegally repossessed my vehicle without any report to police at time of repossession. BMW Financial committed grand theft auto under code 18USC 641 with an illegal repossession. All together, BMW Financial has committed illegal practice on both sharing my personal/private information to third parties, stealing my vehicle, and reporting inaccurate information to third parties without consent.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MD)

XX/XX/2023 I opened a savings account with Marcus by Goldman Sachs. I transferred {$720.00} from my XXXX XXXX XXXX  savings account, and {$420.00} from my XXXX XXXX XXXX checking account. This gave me a balance of XXXX. Shortly after, I realized I had a purchase I needed to make, so I decided to transfer {$150.00} back into my checking account. I tried to initiate the transfer, but after 2 business days, it was reversed and my account was locked. 

I called to see what was going on with my account, and was told that the funds had not settled, and I had to wait a week for them to verify the money I had deposited into the bank. 

I did not like the fact that my funds were not available immediately like at my previous bank, so I made the decision to close my account. I have been trying to do so for almost two weeks now and they refuse to give me my money back. 

The first time I tried to close my account, I once again called late at night and was told that there was a hold on my account, and the department that needed to lift it hold was closed, and that I would have to wait until morning to call again. I called that morning and was told that I had to once again wait for my funds to settle in order for me to close my account. 

Once the funds had settled, I tried to transfer {$1100.00} ( my entire balance ) out of the Marcus account back into my XXXX XXXX XXXX XXXX and the transfer was reversed again and my account was once again locked. I called to figure out what the issue was and was told that the department I needed to be transferred to was closed. 

I once again called that morning and was transferred to a specialist who was supposed to be able to manually close my account, and give me back my money. After speaking to her, she said that the funds had to be divided and sent back to the respective accounts they came from.She lifted the hold and I sent two transfers out of Marcus to those accounts. Today I checked the update on the transfers and theyve once again been reversed, and my account is locked again. Im fed up and I am considering this as fraud and a blatant refusal to give me back my money. 

Ive read in some places and have been told over the phone that there is a 90 day limit to withdrawal money, but if thats the case then 1, why does it say I have available funds in the amount of {$1100.00}, and 2, why was this not disclosed when opening the account.
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

Over the past year I have disputed the collections account with XXXX XXXX XXXX in the amount of {$7700.00}. This was a joint rental agreement with my now ex-husband, XXXX XXXX, and myself. In XX/XX/XXXX, the property manager and myself had a conversation about me losing my job due to COVID-19 and I was no longer able to pay my part of the rent. I also advised the property manager that I had applied for unemployment and was waiting for an acceptance or denial. The property manager allowed myself out of the rental agreement and my ex-husband, XXXX XXXX, would remain on the lease and the remainder of the lease agreement would be his responsibility. I moved out of the apartment on XX/XX/XXXX. This was all done via face to face communication and no documents were provided to me to sign to confirm this agreement. On XX/XX/XXXX, the collection account was removed from my credit report. Now as of XX/XX/XXXX it has been placed back on my credit report. I would greatly appreciate XXXX XXXX XXXX  to follow up with the verbal agreement we had about releasing myself from all financial responsibility for the remainder of the rental agreement and have it removed from my credit report with all three bureaus. This collection account is solely the responsibility of my ex-husband, XXXX XXXX.
Consumer complaint received 2020-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My home mortgage lender, Mr. Cooper, refused to pay my homeowners insurance premium from my escrow account to the carrier, causing the policy to lapse. I am now without homeowner 's insurance. Mr. Cooper refuses to explain the basis for not paying the insurance premium and is retaining my escrow.
Consumer complaint received 2020-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (CA)

PayPal has repeatedly called me to collect a debt due to fraud facilitated thru their platform. A PayPal user committed fraud and i was issued a chargeback. After the final investigation I was left having to pay the amount I was owed. 

I paid the full amount plus fees ( which I did not collect ) and PayPal has repeatedly continued to call me seeking re-imbursement even though they have already collected the funds.
Consumer complaint received 2022-06-04
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: General Motors Financial Company, Inc. (GA)

In accordance with the fair credit reporting act XX/XX/XXXX account # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-06-04
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. (NY)

Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom may be concerned, I am writing to request that the XXXX collections reported on my credit report by [ XXXX XXXX XXXX ] be removed from my credit report. I believe these collections are invalid, as the debt collector did not properly validate the debt before reporting it to the credit bureaus. I have enclosed a copy of the certified mail receipt showing that I sent a debt validation letter to the debt collector on XX/XX/XXXX. And it was received on XX/XX/XXXX,. As required by the Fair Debt Collection Practices Act ( FDCPA ), the debt collector had 30 days to respond to my letter with validation of the debt. However, to date, I have not received any response or validation from the debt collector. The FDCPA requires that a debt collector must validate a debt before attempting to collect it. Specifically, 15 U.S.C. 1692g ( b ) states that [ w ] ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the information necessary to validate the debt. The validation must include the amount of the debt, the name of the creditor, and continue writing the letter. Given the lack of validation and the debt collector 's failure to respond to my request, I believe that these collections should be removed from my credit report. I respectfully request that you investigate this matter in accordance with the FDCPA, and take appropriate action to have the collections removed. Additionally, Federal Trade Commission v. Check Investors , Inc., 502 F.3d 159 ( 3d Cir. 2007 ) establishes that a debt collector must comply with the 30-day validation requirement, and that failure to do so can result in a violation of the FDCPA. The court in that case held that a debt collectors failure to respond to a consumers request for validation within 30 days constituted a violation of the FDCPA. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX