davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

Credence Resource Management has been harassing me and fraudulently popping up on my credit report for the last XXXX years. I have disputed and resolved it with XXXX XXXX time already, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I am currently disputing it again. The calls are relentless, its becoming harassment at this point. The original creditor, XXXX XXXX XXXX XXXXXXXX, has no record of me or this account in their system. I am at my wits end and I need help, desperately.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (TX)

These inquires are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
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. (IL)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MD)

I received a notice on XX/XX/20 saying that my checking account was closed and that I needed to transfer {$4.00} to cover an overdrawn balance. Fine, I was closing this account anyway so I transferred {$5.00}, the minimum my bank would allow, to settle this balance. This left {$1.00} in the closed account. However, Citi continued to charge a $ 30 monthly service fee, followed by a {$34.00} overdraft fee the following day. When I asked customer service they stated they don't send emails like that and that Citi would never close an account with the customers ' request, this is untrue.
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Yamaha Motor Finance Corporation USA (MI)

I have already called Yamaha XXXX  about the motorcycle they also reported it to the credit reporting agencies that it has a charge off I asked them for my 1099-C form, because anything over {$600.00} as a charge off can receive the form and add it to their taxes because it is then assumed to be an income to said individual. I have yet to receive it as well as they have put it on my credit report and refuse to move it as a charge off I have asked them several times about this incident and they refuse to remove it from the credit agencies or send my 1099-C which is a violation of 15 USC 1681b ( a ) permisable purposes. 
My account with Yamaha XXXX has my name XXXX XXXX with my XXXX XXXX XXXX XXXX XXXX  attached to it Account # XXXX Via Yamaha finance
Consumer complaint received 2022-12-28
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III (CA)

I have been attempting to resolved a matter with Allied Collection Services for several years. They have been assigned to collect a debt for the XXXX XXXX XXXX XXXX XXXX that I did not incur. I have not been able to resolve this matter with them and was eventually advised to file a police report, which I did. They have still not taken this fraudulent item of my credit reports.
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America first credit union, refused to turn over my car title after paying off my loan. They claimed the state had it despite communication with the state directly that they still had it in their possession they then asked me to pay for a salvage title stating that it was my fault that they did not hand over my title in a timely manner. It took over 1 year for me to get my title after paying off my loan. A year that i could not legally drive my vehicle or register it.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

Coinbase are unreponsive with my issue in accessing my account. I use XXXX Double autentication and their coinbasee app is the only app which fails recognition while all my other accounts are able to use double authentication. As a result, im not able to transact in my account where i currently have funds. Here 's all the unresolved case #. Coinbase keeps replying with the same canned advice responce which XXXX help or provide solutions : Case # XXXX Case # XXXX Case # XXXX Case # XXXX Case : # XXXX Case : # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (CA)

I was working for XXXX and got a call claiming to be XXXX  support saying my order was canceled and they needed some information to verify my account. Then a couple minutes later my account was cleared out of all {$830.00} in 8 different unauthorized transactions from my XXXX card by XXXX through XXXX  XXXX.
Consumer complaint received 2020-03-27
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)

I am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.
Consumer complaint received 2022-12-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been dealing with this issue since the beginning of this year. XXXX XXXX continues to state this account is mine when in fact my social security was stolen to create this account. Ive already spoken to representatives and know it was created online. On XX/XX/XXXX I received a letter stating why they believe the account is mine. The first reason was because of the address, Ive already stated to XXXX XXXX that my mother took my social and made the account without my knowledge hence why I would be listed at the same place. They also list my phone number and thats extremely fraudulent because I told XXXX of the representatives to contact me when new information about the case arises and I specifically told her NOT to put my number on this account because its not mine. They placed my number on the file without my consent ( this can be found in many recordings stating this especially during XXXX summer ). The last bit of evidence they stated clearly shows what Ive been stating since the beginning that the account isnt mine. XXXX XXXX states that on XX/XX/XXXX I had called to get a new card. If the investigators at XXXX XXXX did what they were supposed to theyll realize the number is a completely different number and its my mothers number. If they listened to that recording Im sure they can compare it to every phone call Ive made to them about this being fraudulent and realizing its XXXX separate people. I also have evidence to show I was not even in XXXX in XXXX because I moved to XXXX for a short time for school and family ( aunt and uncle who can also be a witness to this ) but moved back due to the pandemic in XXXX. I have paychecks that can confirm I was not at the address at this time again due to abuse at home. Please remove this fraudulent account from my credit report or XXXX have to further this to a judge who will listen. This is tiresome, I just want this issue fixed.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (PA)

I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... XXXX XXXX XXXX, contacted me in representation of Velocity Investments another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (TX)

ON XX/XX/2021, I unfroze 4 bureaus that I have frozen, and applied for a savings account via Vio Bank. My scores are all above XXXX, and all information provided on the application is accurate. 

The website denied the application, without providing any reasons. The website did provide a phone number, which I called, but the agent said they can not provide any information nor the databases they used to deny my application. The agent suggested I tried again on the website. 

So I tried again two more times on XX/XX/2021, and again once on XX/XX/2021. Same result. 

I have decided to take my cash elsewhere ( I am just trying to maximize FDIC coverage by opening more bank accounts ). 

I do, however, demand that this bank inform me, in writing, about the reason ( s ) for denial, as well as the source of any and all information they have used to reach their decision, so I have the opportunity to contact the sources and rectify any errors.
Consumer complaint received 2020-03-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Back in late XX/XX/XXXX my mother had a situation which caused her to become XXXX and not able to leave her home. I left my job and moved in with her in order to help her which turned my life upside down. I had a local nonprofit help me gather all documentation ( Fax, Confirmation, Separation letter, Social Security Confirmation Letter, Letter from former employer, etc. ) and fax it to Navient. I received a fax confirmation from the nonprofit for me records, but in XX/XX/XXXX I received a report that my credit score had dropped due to 10 missed payments being added to my credit report. I filed a dispute with the Credit Bureaus and Navient to have the information removed but they verified the late payments as accurate when they lost my paperwork.
Consumer complaint received 2023-02-17
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that which shouldn't be reported as late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I filed a previous complaintthat was sent to the company directy in which are refusing to update the information and has not provided proof. In addition to that they are charging me either {$25.00} or {$40.00} for late fees, and will not provide an explanation as to why they have charged these different amounts Please re-investigate and request proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they shouldn't be reported as late. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681 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 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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-12-28
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)

I am a victim of identity theft and would like these items removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-Atlantic Portfolios, LLC (VA)

In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late
Consumer complaint received 2022-12-28
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. (OH)

In accordance with the fair credit reporting act XXXX  account XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 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.

15 U.S.C. 166B 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 2020-03-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TCF NATIONAL BANK (MI)

On XX/XX/2020, I went to TCF bank to cash my check. The lobby wasnt open, so I went to the drive through window. The Service Rep sent me a deposit slip so I could deposit some of the check in the bank. She told me to sign it. The check was for XXXX. I was trying to deposit XXXX into my account and pay my overdraft balance of XXXX. The Representative told me I cant get any money until 1 or 2 days later. I left and called the bank consumer line and that Representative told me I would have to wait till Tuesday to get some money. Im not understanding why are they holding it and I went to the bank to cash and deposit money. Ive done this before and this has never happened. Why now and I need my money to take care of my elderly Mom and food.