davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXXwhether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I have two debts with this company. A car loan, which I'm 93 % paid off on and owe a remaining balance of {$1200.00}. The second loan, is a loan for a credit card that has a balance of {$5800.00} used. Now the statute of limitations, due to the 'date of delinquency ' has expired, and I'm pretty sure it has been over 8 years since this debt was made and the date of delinquency was first activated. I called the company to gain clarification of debt, and I did agree to pay off the car loan debt eventually. I was questioned about the credit card loan, in which a 30 % offer was given but I never agreed to any offer. My exact response was that I needed to run it by my girlfriend and if we agreed on it, they would hear a response in 24 hours. 13 days passed by and I filed a dispute through credit karma, and the remarks given back to XXXX XXXX, from the bank, was there was an agreement between both parties, which is a lie. I called and asked for evidence of me admitting to this or any validation, and they couldn't provide. Instead I was given the run-around, and sent to multiple voicemails.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VT)

On XXXX  XXXX, TD took over {$700.00} USD out of my account ( see below ) Stimullus Temp CR Reversal XXXX They stated they had given a credit to my account for the stimulus and took it back. I never had any notice that my account had been credited for any loan/credit or anything of the sort. 

I opted to " go paperless '' and receive my statements etc. electronically. Customer Service advised I had been given notice by a letter. 

I also advise them almost monthly that I have been traveling for the last 3 years. 

This has caused my account to go deeply in the hole and am going to have to borrow money for rent and food next month. 

This bank constantly rips off the consumer and the government does very little about it. Rigged penny arcades : Minor fine. Structuring of Transactions for over a XXXX USD in false charges a XXXX XXXX settlement. Not alot of incentive when that gives them about an 85 % profit margin for criminal fraud. 

You people do nothing to the banks when they conduct illicit activitiy, because the banks have Congress in their pocket.

What are you going to do about this? 

I know. Nothing.
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU (CA)

To Whom it may concern, I am writing to seek your assistance about a medical bill that was sent to Creditors Bureau USA. Over the past few months, I have been XXXX XXXX, XXXX, and panic over this matter. In XX/XX/XXXX I was reviewing my credit report, and to my surprise I saw there was a medical bill that was sent to Creditors Bureau USA. I was shocked to see this medical bill listed as collections. I have never had any bills sent to collection so this has been stressful and hope that I can get assistance with resolving this matter. 
I was never notified my bill with XXXX XXXX was going to be sent to collections prior to viewing this in my credit report. The moment I saw this reporting I immediately sent Creditors Bureau USA a debt validation letter under the law Fair Debt Collection Practice Act to have them provide me with detailed information regarding the debt they are attempting to collect. In the letter I did specifically asked them to provide me with the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. I never gave permission to your company Creditors Bureau USA. 
Creditors Bureau USA has mailed me back with copies of my medical bill with XXXX XXXX, however, they failed to send me with a copy of my signature showing my request to release information to them. By not proving me with this document, they are violating my HIPPA rights. I did not consent a third part to view the blood work I had done with XXXX XXXX. 
Due to this reporting, it has affected my credit score significantly. The credit score that I have been working on for over 12 years has dropped over 70 points. Also, due to the Pandemic ( covid19 ) I have suffered financial hardship as I am the only employed person in my family. I do wish to pay the debt I have with Quest Diagnostic directly with them. I am writing to you to dispute the collections that was sent to Creditors Bureau USA. 
I request for this debit to be removed from my credit report. Attached are the letters send to me from Creditors Bureau USA that will show the amount of collection {$240.00}. I also want to make you aware, the dollar amount listed as collections in my credit report is {$160.00}, however the letter I received from Creditors Bureau USA states I owe {$240.00}, the information I was given from Creditors Bureau USA in inconsistent. 

Thank you,
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (AZ)

On XX/XX/2021, I instructed " MRS Associates '' to cease and desist contacting me via my cellphone regarding an alleged debt. That call was recorded by me in full. The customer service rep acknowledged my request. On XX/XX/XXXX, the company texted me again regarding the alleged debt. I called back the number to ask to speak to the company 's legal representation to resolve the issue. The customer service rep acknowledged that I should not have been contacted again, yet refused to connect me with a legal rep or attorney for the company.
Consumer complaint received 2024-04-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC (PA)

15 usc 1681 : Theyve called me several times threatening to sue and have me arrested.. I did not give consent to furnish or obtain any of my information. They told me they have my IP address and that they know I was the person who took out the loan
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date opended XXXX XXXX Balance XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Date opended XX/XX/2022 Balance XXXX 15 USC 1692c ( c ) that law clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. ''
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CO)

We are possibly looking to buy a different house. We went to a mortgage company to start the process. They did a " soft pull '' with the credit bureaus. This, I was told, was not supposed to trigger the credit bureaus. The very next day, one phone received almost 30 calls from mortgage companies and others. It has now been a couple of weeks and we are still receiving between 10 to 20 calls a day depending on the day. This is of course EXTREMELY disruptive. Especially when one uses the phone for work and is going to get calls from unknown numbers for work, one can't just ignore the phone. 

We don't have a choice that these companies gather info on us. Why should they be able to do this to us? 20 phone calls a day is an invasion of privacy. 

Help! What can we do to stop this?
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received this letter in the mail written by Capital One at XXXX  XXXX XXXX XXXX XXXX, Utah and my replacement card is on hold and when I called the number in the letter and did not have an extension number they hung up.I have no way to make a copy so I will type it here. 
It is dated XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XXXX card Cade no. XXXX Dear XXXX XXXX XXXX We have placed a hold on your Capital One credit card account. It is important that we speak with you as soon as possible to clear up concerns we have around potential fraud. 

Please call today so that we can work to resolve this issue for you. We can be reached at XXXX XXXX XXXX o the number on back of your card anytime seven tdays a week. It you have spoken with us about this, there is no need to call again and you can ignore this letter. 

Sincerely, Capital One customer Fraud Protection. 

When I called this number they asked for an extension which I did not have. 

Therefore I am still without a card. 

I am not paying someone without a bill like this. Could you get me my card. They wrote me and I received this letter but have no communication with them. I do not have a card any longer to call the number on the back and my number was XXXX. This is a number on this letter of a card I never had in my possession. The card was not stolen but lost in the house on the floor and I found it but by that time the card was cancelled.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I close my house XX/XX/2020 with XXXX XXXX and they transfer me to mr cooper. In the middle of XXXX pandemic happens and I lost my jobs, I call mr cooper and they told me about forbearance plan and there is no interest or fee. After 3 month I call customer service was telling me dont end the forbearance plan yet, because you dont know what will happen with this pandemic and government have programs from 12 month, After the forbearance they do loan modification and they charge me interest {$710000.00} and on the top of trial payments that I already make. So instead of helping me, I feel they scam me. They add move debt to my mortgage saying that they dont charge the interest for late payment but they charge daily interest for amount that on forbearance. I call to end my forbearance plan but they keep postpone everything. When I ask should I make a payment they said no because you on loan modification, but when I ask about the interest that they charge me then the answer is because I dont make payment, so what ever I do I will still get charge. They never mention anything about any interest for going to forbearance. If they said something then I will go knowingly and I will try to make little bit payment so I wont be charge like this.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NE)

The account is closed already ... but I have been trying to make a payment for a two weeks now but no one will help. They tell me to keep waiting, but everyday my credit is affected negatively due to non payment ...
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (NY)

Credit collection Services, XXXX XXXX XXXX XXXX, MA XXXX Account was paid and they still proceeded to report account as unpaid to credit bureaus on a Bill that i was not responsible for my Doctor 's office made a mistake and took forever to pay it well they did for the amount of {$540.00} but the next month CCS reported it as unpaid to my Credit when i called CCS they told me the account was closed i want it removed from my credit reports
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I recently reviewed the copy of my credit reports and I noticed inaccurate public information that is not mine. 

I have listed the inaccurate in XXXX and sent it to the Bureaus. Please see the attached file on this complaint
Consumer complaint received 2023-12-31
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. (NJ)

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXXXXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-05-05
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCSPLUS INCORPORATED (DC)

The city of XXXX XXXX bill me for water consumption for a period I did not use because I did not owed the property for the billing period. Then, report this account in collections affecting my credit report without notice to me. I did not receive notice or have a chance to dispute this balance. I sold the property in XX/XX/XXXX and the bill goes to XX/XX/XXXX. I learned about the debt in XX/XX/XXXX after my credit score when down and I contacted the city of XXXXXXXX XXXX to pay the balance and the XXXX XXXX XXXX. After multiple calls with on solutions I sent proof of the sale of the property, proof of {$250.00} in escrow to pay the bill with the title company and requested they update and remove the collection report. The city of XXXX XXXX stated they will not remove the information and insisted even if they update the balance of {$220.00} to {$86.00} they will not remove the collection report after payment. XXXXXXXX XXXX   stated they will not let me dispute the charge or receive any proof until the City of XXXXXXXX XXXX notify them. As of today, XX/XX/XXXX I was not allowed to pay the {$86.00}. The only option is to pay the {$220.00} that I do not owe. Base on what XXXX XXXX city told me the current balance after adjustments will be {$86.00}, but their system or representatives will not take the payment for {$86.00}. Also, the title company still in possession of the escrow funds to pay the bill.
Consumer complaint received 2018-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested a credit line increase to one of my cards. They immediately sent me a letter that this was not possible since I already have the highest credit amount that they issue. Yet they ran a hard inquiry to my credit, hurting my score for no reason whatsoever. They should not have ran my credit and put a hard inquiry against my credit score, knowing full well that there was no way to increase my credit limit since I already had the highest amount they offer to any of their clients. I want this inquiry removed from my credit. 

KOHLS/CAPONE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX