davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I am entering this compliant in hopes I can find some resolution. I lived in the apartment mentioned XXXX  XXXX  XXXX XXXX XXXX from XXXX until the time the lease expired on XXXX, I moved out on XXXX after several communications with the manager of the complex at that time XXXX XXXX. My constant communications with the front office was in regards to the on going mold issues as well as AC issues in my XXXX XXXX. I was told several times by management and maintenance that the issue would be resolved. I am a single father and have a young daughter that lived with me. After several months of the mold issues not being resolved, I informed management that my daughter had developed a XXXX  and that i felt it could be from the mold spores in the AC vents and that I would not be renewing my lease. ( please see included pics ) I was told that it would be fine and that no backlash would occur from me moving out when my lease was up. My lease ended so I moved. Per Texas Property Code 92.056 The law states that the landlord has 7 days to remove the mold, if the mold is not removed a timely paying tenant can end the lease and move ... So this is what I did, I actually moved when the lease was up and did not terminate the lease early but in fact I refused to renew a lease secondary to the mold. I received a debt collection letter from ProCollect on XXXX Account number XXXX. I then sent a certified letter to ProCollect for debt validation and in return they sent me a final account statement that clearly shows the date the lease expired and the reason for moving out as illness ( please see included pic ). so as you can see clearly, I may owe the final water bill of {$51.00} but i should not be responsible for the Cost of Re-letting fee {$1200.00} as per the statement i moved out when my lease was up due to illness from the mold. ProCollect continues to report this as an open account and continues to report tradelines  despite me providing them with pics for proof and the fact that I moved out when the lease was up and not prior to the termination of the lease, therefore eliminating the ability for them to charge me the re letting fees for unlawful early move out ... So what are they attempting to collect other than the water bill.
Consumer complaint received 2023-12-31
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: EQUIFAX, INC. (FL)

I see some fraudulent inquiries on my credit report and I already sent information via mail and they haven't removed them. 

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
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX BBVA USA Bancshares , Inc . d/b/a BBVA USA XXXX XXXX XXXX XXXX XXXX, AL XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Demand Notice in re :  Promotional Offer Checking account ending in -XXXX and Savings account ending in -XXXX To Whom It May Concern : On XX/XX/XXXX, I opened the above-captioned accounts at BBVA USA ( the Bank ) online at bbvausa.com in response to a {$250.00} promotional offer. 

On XX/XX/XXXX, I met the promotion requirements. The bonus did not post. 

I contacted the Bank via secure message on XX/XX/XXXX to resolve this issue and was told I would be contacted within 5-7 business days. I was not contacted within the promised timeframe and the bonus still has not posted. 

I respectfully demand that the Bank pay the advertised offer of {$250.00}. 

Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Consumer Deposit Account Agreement. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-02-23
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. (FL)

On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent XXXX certified mail via USPS. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX XXXX, Account # XXXX XX/XX/XXXX of listed late payment 2. XXXX XXXXXXXX XXXX XXXX, Account # XXXX XX/XX/XXXX of listed payment 3. XXXXXXXX XXXX, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 

Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2021-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I applied for a loan with PENFED CREDIT UNION for {$20000.00}. I called PENFED CREDIT UNION to get clarification on why i was denied my right to extend my credit and explained to The supervisor XXXX at Extension " XXXX '' That under the law in Truth in lending, I was the original creditor Pursuant to 15 USC 1602 ( g ) - The term " creditor '' refers only to a person who regularly extends consumer credit, and which would then make PENFED CREDIT UNION a creditor to extend myself my own credit. In 1602 ( f ) the term Credit means THE RIGHT GRANTED BY A CREDITOR ( Myself ) to a debtor ( PENFED CREDIT UNION ) to defer payment of debt. I exercised my rights and was still discriminated against because I in good faith exercised my rights pursuant to 15 usc 1691 ( a ) ( 3 )! I was completely ignored by XXXX when i told him that he is willfully and knowingly gives false or inaccurate information pursuant to 15 usc 1611. PENFED CREDIT UNION Used my Credit Card ( SOCIAL SECURITY CARD ) Pursuant to 15 Usc 1602 ( l ) - " Credit card '' is ANY CARD existing to obtain money or services on credit. In 15 U.S. Code 1691a K- In the definition Adverse Action, No where does it say you can be denied due to credit. There is fraudulent activity on my credit report with XXXX and PenFed is discriminating my character and is not a equal credit reporting act! 

I am Demanding PENFED CREDIT UNION to use my open ended credit plan and Open the credit transaction for {$20000.00}! I am adding my exhibits received in mail.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Today, I am uploading this immediate follow-up to address an ongoing issue of being victimized by fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies are mandated to eliminate any items delineated in an identity theft report, bearing reference number XXXX. Enclosed are documents aimed at facilitating the removal of incorrect personal information and inquiries erroneously recorded on my report. Below is an inventory of items opened without my authorization : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to remove any items from a consumer 's file that the consumer identifies as resulting from alleged fraudulent activity, no later than 4 business days following receipt of such a claim.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Consumer complaint received 2020-03-09
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. (UT)

XXXX  XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-02-12
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: CITIBANK, N.A. (NJ)

I created a dispute ( XXXX ) with Citi credit card for our transaction with XXXX XXXX  as they gave us dirty damage and unhygienic room in XXXX XXXX XXXX We booked the hotel in 4 start but the room they gave us was very dirty and damaged, see like its a run down hotel, we tried to change it whene we were in XXXX and also follow up with on duty XXXX XXXX holiday team with all the pictures, but they also fail to help us So when we get back to USA we created a dispute with XXXXty bank credit card, but they refuse to follow up with XXXXXXXX XXXX and closed the dispute even without trying to help or follow up with them. 

They closed the dispute with comment that, i am disputing the inconvenience due to the quality of the services, but that not a true In XXXX XXXX there are Start Categories defined for every hotel in the world and when I booked the holiday package, I booked the room for a family in a 4 star hotel and paid a premium rate for it.

As per XXXX XXXX  holiday website that Hotel was a 4 Star hotel So this is not an inconvenience, but this is considered as Cheating and Fraud to customers, where they assigned Cheap, Dirty, Unhygienic and Damaged rooms when we paid the money for a family room in a 4-star hotel category
Consumer complaint received 2020-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP (CO)

My son XXXX XXXX sent 2 XXXX payments of {$500.00}. Each on XXXX, to me. XXXX XXXX. However I never received them. XXXX opened an investigation with USBank to see what happened. US Bank sent him a letter dated XXXX saying his claim was denied because the money was received. However it was not. Upon further investigation we found that he sent it to the wrong phone number. He sent it to a XXXX XXXX at XXXX, instead of XXXX my number. We contacted US Bank and they said they could not do anything about it. We then contacted XXXX XXXX at XXXX and asked if he would return the money as XXXX has XXXX and works at XXXX part time and this was two months wages. XXXX said he went to XXXX XXXX on XXXX and had XXXX XXXX reverse the transaction and take the money out of his accounts. XXXX never received the money back in his account. We contacted US Bank and refiled a claim saying all the above. They said they could not do anything because XXXX XXXX was not their client. We need XXXX XXXX and US Bank to return the money as one of these banks has XXXX money. I have since then been put on XXXX account so I can help him deal with this problem. It honestly does not make sense of why these two banks can not contact each other and resolve this issue.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (UT)

IC Systems is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (CA)

XX/XX/2023 - XXXX XXXX XXXX ( XXXX XXXX XXXX ) Dispute Comments still showing on credit report after dispute is over. After contacting agency they discuss they are no longer reporting dispute comments on credit report and should contact all 3 credit bureaus for removal of dispute on comment section on credit report.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (TN)

The referenced account was originally a debt to XXXX XXXX. I actually requested a pay to delete last year to Credit Control Corp because I am XXXX XXXX military and never received notification with the original company. I was hoping to not have to go through the hassle of removing the companies incorrect data since I am constantly coming and going on military orders. They had in return sent me a letter stating that the information provided to them was incorrect. That I would then need to call into them to speak. However I never did because I had actually reached out to XXXX  to complain about not receiving a bill to state I owed {$65.00} because service should had been cancelled due to a PCS from XXXX  to XXXX. I have since handled things with XXXX. I also looked up the licenses for Credit Control Corp to collect debts for Washington as well as Tennessee and do not see them on the registry. So they were attempting to collect debts unlawfully in these states.
Consumer complaint received 2020-03-09
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. (VA)

The info below, doesnt belong to me and i have tried many times to get it removed from my credit report and it is pulling my score down. below is all the details to what i do know. 

XXXX XXXX Account # XXXX Amount {$200.00}
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (PA)

I've repeatedly asked L.J. Ross to verify this account with ME, the consumer. It appears on my credit report, therefor, I have the right to know who L.J. Ross is. They have sent me nothing in the mail, they have continued to report the account, and they've even sent written verification to the Credit Bureaus, bit nothing, NOTHING to me! This is INSANE! 


PLEASE HELP ME!
Consumer complaint received 2020-03-09
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. (UT)

XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ND)

XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that XXXX XXXX  has reported with Equifax, XXXX and XXXX, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Consumer complaint received 2023-05-15
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. (VA)

Unauthorized credit inquiries on credit file.

Violation of 15 U.S. Code 1681b ( c ) & Violation of 15 U.S. Code 1681i Attached document has more details.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-12
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX