davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
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Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I ( XXXX XXXX XXXX ) opened a secure credit card with capital one with a {$1000.00} credit limit. On XX/XX/XXXX I closed the account ; before I ever received the actual credit card. I was told my money would be refunded to me within two months. Sense then I have called atleast twice a week trying to get Capital One to give me back my money. They told me, in XXXX, that their was a fraud issue with my account. I did everything I could to clear up the fraud concerns. On XX/XX/XXXX I was told, in real time, that the fraud alert was lifted. I was told to expect a check in the mail within two weeks. Two weeks passed, I called and I was told by customer service supervisor that the check was canceled. They told me that my check was returned because my adress does not exist. My fiance has a credit card thru capital one, they send him letters in regards to his credit card all the time to our address. On XX/XX/XXXX I was told by a customer service rep. that they were flat out not going to give me my money back! I have not received a single peice of documentation in regards to this account ; via email or regular mail. They refuse to even give me an account number. They are literally refusing to give me back my money. Can you please get me back my money? These people literally went into my fiance and I bank account and are now refusing to give me back my money. I even tried to get my bank ( chase ) to get the money back from them in XXXX. They refused to give the bank back my money. These people have caused me nothing but grief. {$1000.00} is alot of money to me. Please, this has gone on long enough. Now everytime I call they just pass me around to different departments, telling me someone will call me in seven days. I never get a phone call. They have told me someone was going to calm me atleast five different times. Nobody ever calls. Please please get me back my money!!!! These people are literally stealing from me!
Consumer complaint received 2022-09-13
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. (FL)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-05-29
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. (GA)

XXXX XXXX, XXXX reported an amount of {$19000.00} as the alleged balance on the account to Experian however, the amount that XXXX stated to me was owed is {$19000.00} in its initial communication.
Consumer complaint received 2022-05-29
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Consumer complaint received 2023-03-11
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. (PA)

XXXX XXXX  pull my credit without my consent and made a hard inquiry which lowered my credit score significantly. 

Date of unauthorized pull : XX/XX/23
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those aforementioned items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
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. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

I have contacted XXXX, Equifax, and XXXX in XXXX, and XXXX 2017 to remove in accurate information.
Under the new law effecti e XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
Consumer complaint received 2022-05-29
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: National Recoveries, Inc. (CA)

Today I received a letter from the US Department of Treasury about my joint tax return refund being applied to a delinquent debt I owe. It states that the debt is to the US Department of Education Federal Offset Unit. When I called the Treasury Offset Program it states that National Recoveries a collection agency has my debt. I paid off my student loans years ago and know nothing of this debt, nor have I ever been contacted by anyone about the debt. I've tried reaching out to National Recoveries today to fix this and have had no luck. I tried by phone and I have tried contacting via their website which is stating it's unable to send the communication. 

My concern is that I don't know why I have an unknown student loan and why is the first time I am hearing about this? I XXXX college approximately XXXX years ago, and don't understand where this loan is coming from. On the document I received today it states " Before sending a debt to XXXX XXXX, an agency must send notice to you at the address in its records. The notice explains the amount and type of debt you owe, the rights available to you and the agency 's intention to collect the debt by applying eligible federal payments made to you. '' I have not been contacted by National Recoveries about sending this unknown debt to the XXXX XXXX and I have not been notified or communicated the amount and type of debt I owe. I feel this is a very unfair practice by National Recoveries and would like an explanation of what is happening and I would like them to help resolve the confusion.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear SYNCB/Amazon , I am writing to address a concerning matter regarding an inquiry reported by SYNCB/Amazon, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

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

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

Furthermore, it has come to my attention that SYNCB/Amazon neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the XXXX  number associated with the security interest provided to SYNCB/Amazon . Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account. 

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

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

Received text from XXXX XXXX XXXX in XXXX XXXX XXXX XXXX. Called them on XXXX XXXX, They told me I owed {$210.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for dates of service. They did not know. But told me that had this in their office since XXXX of XXXX. Told me that they had sent out info to an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that I had not used since at least XXXX. 

I know that both entities had the correct address as well and this was either copays or co-insurance after my insurance XXXX was billed. 

I have tried this morning to call XXXX XXXX as this has happened before but not for this amount. I was also told that it was reported to Credit Bureaus and should not have been as was under {$500.00}. XXXX told me the original was just over {$500.00} which is why it was reported. I have called XXXX in XXXX XXXX as I was directed to XXXX XXXX XXXX in XXXX XXXX and they told me to call XXXX XXXX in XXXX who told me to call XXXX in XXXX XXXX. XXXX in XXXX XXXX told me that they showed I owed nothing. XXXX XXXX still claims I owe {$210.00}
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc. (FL)

I received a notification from XXXX XXXX on XX/XX/22 stating I had a bank credit card for {$530.00} from XXXX XXXX XXXX. ( XXXX XXXX ). I have no idea what this was, I have never dealt with this Bank, and I did not open a credit card. Someone has opened a card in my name. I have no idea what the credit card number is, when trying to contact customer service of the bank they could not give me any information XXXX Maiden name XXXX XXXX married XXXX XXXX