davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  the following accounts reporting on my credit report have violated my rights .All information reported to each credit Bureaus are different and mismatched. accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Including the following inquires reported ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy. It also states Consumer reporting agencies can not furnish a account without my written consent and instructions.
Consumer complaint received 2023-02-21
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX
Consumer complaint received 2022-09-03
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. (GA)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my XXXX, Experian, and XXXX Credit Reports . Also, I have been a victim of the XXXX data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

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 2023-07-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC (TX)

A XXXX XXXX XXXX is damaging the credit report and worthiness by reporting false and deceptive transactions history. Authorization was never given to carmax nor XXXXXXXX XXXX to furnish private source data information or share with a third party. Violation of permissible purpose
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

Received a letter from  Convergent Outsourcing Inc co ncerning a  XXXX   XXXX   XXXX  bill of {$420.00}. They offered a 50 % reduced payment to take care of this bill. I have lived in   XXXX    since 2006 and t ook care of all utilities when I moved away. I never heard anything from the company until today.
Consumer complaint received 2019-10-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

XXXX XXXX Detective XXXX XXXX from XXXX police department contacted me back XX/XX/XXXX and notified me that Portfolio Recovery never retrieved the police report in regards to account XXXX nor have they requested the police report from their department. Yet XXXX stated to the CFPB they validated the fraudulent account opened without my consent. My ex husband also filed a CFPB complaint because he notified the creditors back in XXXX I had identity theft and fraud under my name yet the debt was sold anyways and the creditors never obtained the POLICE reports. It is their responsibility to obtain this legal active report.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OK)

Currently, The report showed a credit collection/chargeoff in your company 's name. This is not a refusal to pay OUTSTANDING COLLECTIONS, but a notice sent according to the Fair Debt Collection Practices Act15 USC 1692g stating your claim is disputed and validation is requested. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681i }. Please have this collection/chargeoff DELETED from my credit report.

Until verification or the result of the investigation is completed and sent to the individual, we request deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed, fixed, and deleted in notice to the bureau agencies.

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

WE NEED YOUR HELP! 
In late XXXX XXXX we were victims of a fraud. Our check for {$3700.00} mailed to XXXX XXXX was stolen and cashed by a third party through Bank Of America. 

Since XX/XX/XXXX, We have been trying to get that sum reimbursed. 
XXXX XXXX Bank states that they are not responsible but they are investigating the matter with the Bank of first deposit XXXX Bank Of America. 

At the beginning in XXXX XXXX, the case was going to be resolved in 120 days, as of today 200 days above the 120 days no resolution is in site. 
Bank of America when asked information about case XXXX they replay that they are still investigating the matter. 
The canceled check, the statements of XXXX XXXX Bank, the investigation by the District Attorney 's office of NY, are proof that a fraud was committed. Both institutions are responsible : XXXX XXXXXXXX XXXX and Bank Of America because they released the funds! 
CAN YOU HELP US PLEASE? 
It feels like we have been given the run around because we are senior citizens... 
We are more that willing to appear in person and provide all the files including copy of the canceled check and correspondence from XXXX XXXX If you need more information please do not hesitate to contact us.
Consumer complaint received 2017-05-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc. (MO)

On   XXXX   XXXX   XXXX    , I notifie d RMS Recovery Management Services , Inc.  in writing that I was unaware of the debt they claimed I owe from over 20 years ago, requested validation of my  debt to RMS and no tified them to cease and desist all communications in attempt to collect this debt. This included phone calls to third parties. On   XXXX   XXXX   XXXX    ,  XXXX   XXXX  of  RMS called both  my number and my employer, which has caused damage to my employment.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

We opened a checking and saving account with citi bank in XX/XX/XXXX. They had a promotion that would deposit {$700.00} to our checking account after three months under certain conditions. We satisfied these conditions. However, after three months, in XXXX they closed our checking account without even notifying us. In XX/XX/XXXX, we contacted them asking about the {$700.00} promotion credit, they said that they tried to deposit it but our account was closed ( they closed it without our knowledge ). They asked us to open another account so that they can deposit {$700.00} again. However, more than 5 weeks passed and nothing happened. When we contacted them, their response was it is going to take a while. At this point, we havent received the credit yet. 
We believe that the citi bank is mistreating the customers by promising a promotional credit, then closing the customers account so that the promotional credit can not be deposited. During this whole process, we were not notified at all by the bank. Please investigate this behavior. Thank you.
Consumer complaint received 2023-07-21
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: Resurgent Capital Services L.P. (UT)

XXXX has sold my PII illegally and has consistently violated FCRA and FDCA. Who's XXXXXXXX when you were the company to sell my information without consent. You can ask for a subpoena to deliver my PII but, it's not required and not legal. I have made multiple requests for proof and you have failed to provide any legitimate proof on this account. Your employees used breached information to open this account. Why did the company you sold my PII to, changing the address on my credit report.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (CO)

I had a Bank of the West cash back XXXX. During summer 2023, I experienced a decrease in income which caused me to fall behind on that and other accounts. Some of the companies I dealt with were reasonable and I was able to maintain the accounts and work out payment issues. That was not the case with Bank of the West and, later, XXXX. The account was closed without notice ( I had to find out about the closure through XXXX XXXX ). I was then inundated by repeated emails, texts and phone calls from XXXX personnel. 

At one point, XXXX collections offered a deal to compromise the amount owed. I did not avail myself of that offer as several BMO collections personnel advised that by bringing my account under the credit limit and current, the account would be reinstated. In no uncertain terms, I was advised on at least three occasions by different BMO collections representatives that the account would be reinstated and available for use if the payments were brought current. That seemed like an acceptable resolution at the time. I sacrificed payments on other accounts to become current on XXXX. When I did, the XXXX online site reflected the payments and available credit. 

I contacted XXXX to obtain a replacement card since the original card in my possession expired earlier this year. I was advised by BMO customer service that the account was revoked by collections and could not be reinstated, referring me back to collections. I spoke with collections and was advised that the earlier representations were in error and that the account could not be reinstated. I asked for the contact information of someone within XXXX to address my concerns. I was not given that information and was told that XXXX would " investigate ''.
Consumer complaint received 2023-07-20
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 formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Upon checking my credit profile, I noticed a couple of unfamiliar inquiries on the report. After trying to dispute the inquiries with the company ( XXXX ) I was asked to file an identity theft claim to proceed any further in which I did and later showed proof of the report to the company and was sadly given no update nor proper help with the issue.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (GA)

On XX/XX/XXXX, I attempted to transfer money from my checking account to my Kikoff and noticed that I was logged out. I attempted to login but received an error code that the service connection could not be established. I went to the Kikoff website online to try to log in that way and an error code appeared instead. I have contacted the companies customer service for their card services numerous times and was told that they were escalating a ticket. I have asked for manager after manager to try and get this issue resolved because they do not have a telephone number for their credit repair services you have to rely on an email and the app. I have sent numerous email and received some replys advising me that someone was working on it and they would update me soon. It has been XXXX days since I have been unable to log into the app of a company that has ALL of my personal information. This is a very uncomfortable situation to be in especially when you cant do anything about it.
Consumer complaint received 2023-01-20
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: U.S. BANCORP (MO)

Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. US Bank 6. XXXX XXXX This was very disturbing as I am not aware of any of these enquiries.
Consumer complaint received 2023-07-20
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. (TX)

I have disputed this account with you before and you failed to remove the account without validating the correct balance and payment history. I reported that you are reporting the wrong balance. I will attach the settlement letter from this company showing the correct balance I owe. Even without the settlement letter, the 3 bureaus are reporting different amounts. How does this meet FCRA guidelines when all data furnished should be the same? I am demanding that the following account is removed from my credit report due to inaccurate reporting and due to the account being settled. Being that I have proof of incorrect reporting and my attempts at getting this account deleted, I will be seeking compensation due to many FCRA violations if this account is not removed from my credit report within 15 days : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Absolute Resolutions Corp. (IN)

I've been on ssdi since XXXX after a XXXX XXXXXXXX. Absolute Resolutions Investments , LLC [ XXXXXXXX XXXX XXXX XXXX representing ] purchased an old credit card debt from XXXX. Advised them I'm on ssdi, they proceeded to sue me anyway. judgement and plaintiff violate ssi/ssdi law and fair debt collections practices act [ knowingly ]. 

XX/XX/XXXX Cause no. XXXX XXXX XXXX, IN CIRCUIT COURT. 
motion to dismiss denied and default judgement ordered in the amount of {$7300.00}. 

XX/XX/XXXX motion to set aside denied at hearing. Advised judge and plaintiff of federal law violations. 

Judgement for plaintiff and profit from defendant 's misfortune and XXXX raise definite ethics concerns along with violating federal laws.
Consumer complaint received 2023-02-19
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. 

Account name : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXXXXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX  XXXX. 
Account name : XXXX XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX  # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : 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 2023-07-20
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. (SC)

In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (TX)

On XX/XX/22, I disputed a collection account. XX/XX/22, Experian closed the dispute stating verified and updated account. I was never provided with any information that was verified! I have no knowledge of this account or creditor!
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have been making consistent payment every month towards my XXXX Credit Card, belonging to Comentiy Bank. Last month ( XX/XX/XXXX ) they reached out via phone asking When did I plan on paying my past due amount of {$77.00}. And called me every week asking to pay an additional amount because they did not receive my payment. 
On XX/XX/XXXX after receiving my bank statement I mailed a copy of my bank statement of XX/XX/XXXX and XX/XX/XXXX because I also made a payment in XXXX and Comenity Bank sent statement to the Credit Union that I wasnt making my timely payment. As well as a cover letter with my account number. XX/XX/XXXX They called me at 2x at XXXX and again at XXXX to ask again for back payment. I have already sent XXXX payment. 
Im tired and frustrated with the constant calls and rude languages. Ive made my payment on time and have the proof for it. 
I want something done immediately.