davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (NV)

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX 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  ( ChargeOff ) Alert from : XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( ChargeOff ) Alert from : XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX DelinquentAccount XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Business Loan Inquiry Alert from : XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX  ( 120 Days Delinquent ) Alert from : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Grid Code 4 ( 120 Days Delinquent ) Alert from : XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed by XXXX XXXX XXXX from : XXXX XX/XX/2022 XXXX XXXX XXXX - XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX - XXXX XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/202XXXX XXXX XXXX XXXX - DelinquentAccount XXXX XXXX XXXX XXXX XXXX Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %
Consumer complaint received 2022-11-05
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below, 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 an account without my written instructions. 

Negative Accounts : Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX  Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : TransUnion Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : TransUnion Reported incorrectly as Charge off, this was paid on time and in full. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Credit limit : XXXX Reporter : TransUnion XXXX XXXX % Reported incorrectly as 30 days past due on XXXX and XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXX XXXX Original Balance XXXX Credit limit : XXXX Reporter : TransUnion XXXX XXXX XXXX Reported incorrectly as 30 days past due on XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Inquires : Please removed listed inquires as these are not my accounts nor did, I authorize for them. 

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  : XX/XX/XXXX TransUnion
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I mailed a certified letter to Phoenix Financial Service on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that two debts that they say I owe, in fact, do belong to me. To date, the company has not responded to my letter and it has been longer than 45 days since they received my certified letter.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX  should not be reporting that I am ( 120 ) days late on XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-09-30
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. (MS)

on XX/XX/2020, I SENT THE CRA 'S ( XXXX, XXXX, AND EXPERIAN ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW
Consumer complaint received 2022-11-05
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: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, I received a letter from XXXX  stating Navy Federal Credit Union SOLD my personal and private information to them on XX/XX/XXXX and to XXXX XXXX XXXX on XX/XX/XXXX. Which is a direct violation of my privacy. 

15 U.S.C 1681 Sec 602A, states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. 

As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 
Navy Federal Credit claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (MI)

1.I have never had an account with this company XXXX XXXX XXXX XXXX  XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

company is trying to collect a debt that at first was a medical debt and since they couldn't collect it as a medical debt now they have change the informacion in this account to keep on trying to collect the same debt, i have send documents asking to validate it, never got a response back
Consumer complaint received 2020-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (TX)

I attended XXXX University, XXXX, Minnesota, from XXXX XXXX XXXX, that school closed down for not distributing funds to students in XXXX. I requested about XXXX in student loans. My XXXX, after my military service was severe and I was unable to maintain employment or school. I ended up homeless for many years. I've been in and out of treatment facilities for my XXXX. My loans went into default. Starting XXXX, Garnishments from income tax returns and bi-monthly employment funds began. I was working as a Security Guard from XXXX. After hiring an attorney to assist me in my compensation claim, I finally received my 100 % permanent and total XXXX. My VA counselors informed that i would be debt free. Any debt I had would be forgiven. Along with my student loans. AND any money that was garnished would be reimbursed back to me. I spoke with XXXX, XXXX XXXX XXXX XXXX, and they confirmed that I would be receiving the money I paid into my student loan. XX/XX/XXXX, my student loans were forgiven. Nelnet informed me that I paid XXXX into my XXXX student debt. XXXX XXXX I spoke with XXXX a supervisor, id : XXXX, and he informed me that no funds had been Garnished. I was told in XXXX that I had paid XXXX XXXX And I would be receiving those funds back, because of my 100 % permanent and total XXXX rating connected to my military service. I was also awarded a XXXX XXXX for my service in the XXXX XXXX from XXXX XXXX XXXX. Just typing this out, gives me goose bumps and brings tears to my eyes. XXXX confirmed I would be receiving a refund. Now, they're saying I never paid anything into my delinquent student loans. ANYONE with a student loans knows for a fact, that if you go delinquent, they'll take your soul if you allow them to. But, garnishment of income tax returns, and wages is much easier.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NJ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

After months of trying to amicably resolve this with this company, I then went to my credit card company, Capital One and addressed my concerns and requested that a case be opened on each file. After being promised that a file was opened, and calling back three times to find out this was not the case, trying to do this three different times without success, I asked for a manager by the name of XXXX who was able to assist me in opening the case. She advised based on the date of the transactions, that they would need to send this to the back office for review. NEVER once was I told under yesterday of the timeline I had to dispute such transactions. NEVER WAS I TOLD until TODAY the true status of my case after I was told several times that I would be contacted by mail within 10 days. Nothing has happened. They have requested paperwork that they've sent to MC only for me to be denied and ultimately for me to be re-billed. This is totally unfair and I have not been afforded the protection this company BOASTS of in protecting their customers. 

Only today was I given the correct information about the timeline for disputes, only today after calling for weeks to get an update that each representative promised would occur in writing in 10 days did I receive one after speaking with XXXX ( XXXX ) who informed me that my disputes were filed against Mastercard 's timeline and that Capital One would ultimately re-bill those provisional credit back to my card. I was advised to contact MC, only to be told by MC that THEY WERE NOT investigating any case and transferred me back to Capital One. The only thing that has been consistent is the inconsistent information and the POOR customer service.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX I logged into my AMEX XXXX account to pay my amex bill for an existing card and a pop-up, see attached offered me to apply for XXXX XXXX with {$250.00} cash back after {$3000.00} spend. I applied, was approved and got the card. I spent the {$3000.00}, and not AMEX denies approving me for this offer, which is obviously a scam, and false advertising. I contact their customer support, and won't give me any specifics to why I am not receiving the {$250.00} after fulfilling the {$3000.00} spend within XXXX months. This is unethical business practice. I would like to be compensated the promised amount!
Consumer complaint received 2023-01-06
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)

I have filed a Identity fraud report with identifytheft.gov, I have attached the submitted form. 

I have sent dispute letters and proof of account responsibilities letters to Experian Dispute Center. 

Experian are completing my disputes without sending me verifications that the following collection accounts belong to I. 

Experian has violated my rights. 

15 U.S.C 1681 Section 602 A. States. I have 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 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WI)

I was called from phone number XXXX by an automated caller " this is XXXX calling about your credit card interest rate. Please press XXXX to speak to a representative to lower your interest rate ''. I pressed XXXX and got to a representative names XXXX XXXX ID # XXXX said he worked for account services on behalf of all the credit card companies. He asked me my balances and what card I carried and the first digit on the card. I asked him who he was and he said Account services, he worked in XXXX, company based out of XXXX. He said he is working off Experian reports but he needed me to get my credit card account number in order to lower my rates I pay. There was a long discussion about asking him who he was and where he was located. He would not give me a phone number to call him back so I could confirm who he was and what company since he did n't know much about me. He said he follows the FTC and it is all safe to give the information. He uses Experian credit reports to make the phone calls. Refused to give his phone number, company name or address. He then said do n't waste my time, I asked to have my number removed from his database and never call me again and he said he would call me every day. I informed him that he is violation of the telephone consumer protection act by calling me on a do not call list with no business relationship. He then informed me again he would call every day and then hung up. I tried to call back the phone number that was given on my display on the phone XXXX and it was a disconnected number. I get these calls from " XXXX at card holder services '' at least XXXX10 times a month and has been going on for years. I am tired of it and someone is in violation of the law but you can not find out who this is. Please hold them accountable and find out who is doing this.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-09-30
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. (MS)

on XX/XX/2020, I SENT THE CRA 'S ( TRANSUNION, XXXX, AND XXXX  ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

Dear Sir/Madam : Re : XXXX deposit with CITIBANK or CITBANK This happened in XXXX before the XXXX financial crisis. I opened a time deposit account with CITIBANK ( not quite sure if it was CITIBANK or CITBANK ) to mature in two years which was in XXXX. Two months before its maturity, I received an email from them saying that the bank is in financial trouble and that they can not return my time deposit money. I was devastated and did not know what to do. The news on TV at the time was all about the collapse of XXXX XXXX and other large banking corporations. All the while I thought my money was safe because I thought FDIC will back them up. Two weeks later, I received a check of {$300.00} from CITIBANK saying that's all they can give me out of my time deposit of {$10000.00}. 

I tried contacting FDIC, but since this happened over 15 years ago they referred me to reach out to Consumer Financial Protection Bureau. 

Note : I don't remember the name of the bank whether it was CITIBANK or CITBANK. 
I do not have the account number. All I can provide to you is my SSN, my full name, my address and email address at that time and my phone number at that time. 

Sincerely, XXXX XXXX. XXXX