davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXXXX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A. (MN)

XXXX didn't send statements or freeze my account for suspicious activity. My account was sent to debt collection when I didn't even get notified of the charges. I was called multiple times by debt collectors and was told to pay a debt I didn't owe. I requested for statements and notified the debt collector and XXXX I didn't recognize the charges and the address on file was changed without my authorization. I believe I was a victim of ID theft. My account was sold to XXXX XXXX XXXX where they continued to collect a debt when I tell them I didn't recognize charges and that address on file was incorrect. And they ignored my communication and sent me a letter saying they don't understand what I am disputing. My account was sold again to Messerli and Kramer where they filed for lawsuit against me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

My information was compromised during the XXXX Data Breach. I attempted to have falsely reported information removed on XX/XX/year> by contacting the companies directly. XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX XXXX  have yet to remove the data being reported to multiple CRA 's. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies.
Consumer complaint received 2022-04-22
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: TD BANK US HOLDING COMPANY (FL)

I do not believe I owe what you say I owe. Therefore, I dispute this debt. I am aware of my rights under the federal and Florida Fair Debt Collection Practices Acts ( FDCPA ). Also, I believe that the statute of limitations for enforcing this type of debt through the courts in Florida has expired. Therefore, should you decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Acts a serious violation of the law and will immediately report any violations to my State Attorney General and the Federal Trade Commission and take whatever legal action necessary to protect myself. Be advised that I tape record all phone calls. Violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (VA)

I connected an external banking account to pay my bills. I have moved and added a new bank, but Barclays will not remove the original account after I have requested it for 4 weeks. They get an error in their system and ask me to call back, but after 4 weeks and hours of my time, they have not. 

Keeping my external banking, when I have requested it be deleted is a violation of privacy and it is wrong. Spending
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$57.00}.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

ON XX/XX/XXXX I SENT A CREDIT REPORT DISPUTE TO XXXX, XXXX AND EQUIFAX. XXXX REMOVED ALL OF THE NEGATIVE INFORMATION AND INQUIRIES. EQUIFAX LEFT ONE NEGATIVE ITEM ON MY REPORT AND XXXX LEFT SIX ITEMS THAT I DISPUTED ON MY REPORT. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE COMPLIANCE WISE THEY WERE REPORTING INVORRECTLY. EQUIFAX AND XXXX KEEPS SENDING THAT THE NEGATIVE INFORMATION HAS BEEN VERIFIED BUT DOES NOT TELL ME HOW. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE THEY DON'T COMPLY TO THE FCRA LAWS. I NEED THE NON COMPLIANT NEGATIVES REMOVED ALONG WITH THE UNAUTHORIZED INQUIRIES.
Consumer complaint received 2023-03-01
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. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my nights. 
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 fumish a account without my written instructions. Therefore I demand this account to be removed or deleted. 
Or my next steps will be contacting the attorney general regarding this matter
Consumer complaint received 2022-03-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have applied with Bank of America, I am XXXX point away from a XXXX credit score due to an error from a collection agency. I explained this to the mortgage officer, he laughed at me. I told him I am a single mother and this is an error that I am correcting. They refused to even listen to me. Bank of America has a long history of discriminating against underprivileged communities and this is another example of this.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (WI)

Two days after filing a Cfpb claim against JP Morgan Chase Bank ( Claim XXXX ) I received a call from their fraud team in regards to an account ( the same account referenced in Claim XXXX that has been closed for over 2 years. I am very concerned with my privacy and the fact that Chase called with a false fraud claim ( the card was destroyed when the account was closed in XXXX, 2020 ). The Chase representative would not verify any information when I became concerned for both my privacy and financial security. Call was received at XXXX XXXX CST from the number XXXX.
Consumer complaint received 2019-08-07
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. (NC)

Equifax has refuse to investigate the collection that's on my account open XX/XX/2017 for {$290.00} with XXXX XXXX nor has provided any written proof, my signature, picture or anything to tie me to this fraudulent account. My identity has been compromised and used for medical purposes. This is the only negative account I have on my credit report without validation. This a defamation of character and willful injury. This is also a violation by FCRA section 623 also section 609 states upon request they are required to provided information as requested to prove the account is your. This has not been done.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

ON XX/XX/XXXX I SENT A CREDIT REPORT DISPUTE TO XXXX, EXPERIAN AND XXXX. XXXX REMOVED ALL OF THE NEGATIVE INFORMATION AND INQUIRIES. XXXX LEFT ONE NEGATIVE ITEM ON MY REPORT AND EXPERIAN LEFT SIX ITEMS THAT I DISPUTED ON MY REPORT. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE COMPLIANCE WISE THEY WERE REPORTING INVORRECTLY. XXXX AND EXPERIAN KEEPS SENDING THAT THE NEGATIVE INFORMATION HAS BEEN VERIFIED BUT DOES NOT TELL ME HOW. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE THEY DON'T COMPLY TO THE FCRA LAWS. I NEED THE NON COMPLIANT NEGATIVES REMOVED ALONG WITH THE UNAUTHORIZED INQUIRIES.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

Synchrony Financial, the servicer for my Lowes Store Card has been charging me a " Card Security '' fee which is set via a percentage of my balance, every month apparently since 2014. I use the card quite often and had never noticed it before. The problem is, I have NEVER signed up for this service, I refuse it on all of my credit cards as it is expensive and I pay my bills. I started going through statements as far back as the website would provide and there is a charge every month as far back as I can go. When I called to figure out what was happening the nice lady that helped me said it was a check box on my application -- I know I did not check it for reasons mentioned above. I have never and will never use that service.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have repeatedly informed you about inaccuracies on my credit report, yet I continue to be ignored by both you and the credit reporting agencies. This ongoing disregard is causing me unnecessary stress. I will be forwarding a copy of this to the Consumer Financial Protection Bureau ( CFPB ) Ombudsman and consulting an attorney about my legal options as well.
Consumer complaint received 2022-04-22
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. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
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. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
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. (MS)

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

XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX  XXXX XXXX has violated my rights First XXXXXXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights 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
Consumer complaint received 2016-05-29
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX claims Bank of America transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when Bank of America transferred it. However, XXXX indicated the loan was greater than {$80000.00} past due when transferred. 

On XX/XX/XXXX, XXXX Bank of America 's Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XX/XX/XXXX. Notwithstanding, the loan history does n't show any delinquencies after XX/XX/XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to XXXX. At the very least, XXXX 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX XXXX, XXXX.
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BTH Management (MD)

I was called by a collector, I did not recalled this account. I was trying to make an arrangement even though I did not recalled this account being mine. XXXX XXXX XXXX offered me payment options and I told her I was only able to pay the original amount of the debt she stated I will inform that you refused to pay this debt and I told her I was not refusing but I did not have the amount she was asking for. XXXX XXXX proceeded to get upset and told me you should pay your bills in a nasty way and hanged up. 

today I received a call from a different person about the same matter and I simply asked to see paperwork on this " debt '' and the guy who did not say his name started saying they sent it to an address I don't live at and stated my date of birth erroneously so I inquired for black and white proof. 

the called went off because I don't have signal where I work and he called back telling me he was going to report me as a direct refusal and told me to stop playing games. 

I called back to try to report this behavior and they transfer my call to the agent who again repeated I was playing games and I was going to be reported as a direct refusal of payment. 

I have no knowledge of this account and I was trying to get clarification. I felt harassed.
Consumer complaint received 2022-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

My mortgage was sold to Fay servicing in XX/XX/XXXX. I was on a trial payment with XXXX XXXX in XXXX for one year, but they transfer my mortgage to Fay in XXXX. My XXXX payment was collected by XXXX in XXXX because when I received the transfer notice was after the dued date. Fay servicing is saying that I am in default because I did not make any payment for XX/XX/XXXX. I forward to Fay servicing, but they refused to acknowledge the payment. I continue to make the agreed payment by the courts and XXXX  of XXXX from XX/XX/XXXX till present, but Fay servicing returned my lost three payments ( XXXX, XXXX, and XXXX ). I spoke to the customer support person today and I was told that my house is in foreclosure.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (SC)

Southwest Recovery Service is keeping an amount of {$310.00} in collection on my credit report. I had a retail business until four years ago. I closed the business in XXXX XXXX XXXX and returned the XXXX XXXX XXXX XXXX XXXX XXXX. I have absolute proof I returned their credit card terminal. Suddenly in just the last two months this collection popped up in my credit report. I sent my proof which includes shipping label and receipt to Southwest, and Southwest said they forwarded what I sent to XXXX. I called XXXX and was told they know nothing about a four-year-old charge. I was a little irate when I called Southwest back, and since the collector didn't like my attitude, he said he would keep it on collection for 7 years. So far, they have. 
I believe all of the problem stems from my account with XXXX XXXX XXXX which is/was a subsidiary of XXXX XXXX. XXXX XXXX was charged by the Government, and may not be in business. Should have filed a class action suit when I had the chance. My acct # with XXXX leasing was XXXX. Somehow, Southwest is picking up old accounts from XXXX and trying to collect.
Consumer complaint received 2022-04-22
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. (TX)

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

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 442644**** 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.