davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Collections-I, LLC (WI)

HCI Healthcare Collections Inc has responded to a complaint I made through CFPB with a violation and you just closed the complaint. 
They say I owe {$750.00} which they reported to the 3 credit bureaus as well negatively impacting my credit score and life. 
On XX/XX/XXXX of XXXX I send them a request for validation of debt letter. They responded on XX/XX/XXXX of XXXX  with a verification letter and an itemized XXXX bill from a XXXX, not a validation of debt. 
On XX/XX/2022 I sent them a request of my consent of HIPAA proving they have the right to have my medical information. They did not respond. 
They responded to the complaint I made to CFPB on XX/XX/XXXX stating they have a signed authorization from me. Opening the file and looking over it I realized they also have my XXXX XXXX authorization, not the HIPAA consent, showing again they are in violation of my rights as a consumer. 
They do not have my consent for them to be in possession of my medical information. 
This has put a stress on my life without them having the legal right to have such information and for them to report it to the credit bureaus.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-02
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted transunion, equifax and experian regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.
Consumer complaint received 2020-04-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (TX)

The company XXXX XXXX XXXX  XXXX began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.
Consumer complaint received 2022-06-02
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Conn's, Inc. (TX)

I recieved a adverse action via email from CONNS XXXX INCXXXX @ XXXX PM. I am the natural person, consumer, original creditor I can not be denied my own extention of own credit.
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Enrolled into " Chase Interest Savings '' plan in XX/XX/2021. The installment agreement requires 9 monthly payment of {$1200.00} which includes {$39.00} monthly fees. To avoid additional interest I must pay this amount plus all current monthly charges so called " Interest Savings Balance '' amount each month on the statement. I h have been doing that since XX/XX/2021, the first monthly installment payment. 
On XX/XX/2021 statement I noticed that the amount of " Interest Savings balance '' which is the monthly payment of {$1200.00} plus current monthly charges was quite substantial. I contacted Chase customer service twice and the third time a manager explained to me. That is because all current monthly refunds and credits were not offset against current monthly charges. Instead, they were treated as additional payments toward the Chase Interest Savings plan. This is so wrong. Current refunds and credits should be deducted against current charges. The manager understood and promised to contact Chase department that deals with this. 
About a week later I received a letter stating that all payments and credits were applied properly. 
Obviously Chase would like to have the Interest Savings plan to be paid off earlier than agreed. For this I'd like some kind of explanation other than a short statement saying that payments and credits have been applied properly.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Hi CFPB, I opened a business checking account with US Bank on XX/XX/2021, which came with a promotional offer where I would receive {$300.00} after depositing at least {$5000.00} within 30 days of account opening and maintaining at least {$5000.00} for 60 day after account opening, as well as logging into the online banking within 60 days of account opening. I had performed both of these tasks yet do not see the bonus posted to my account. I would appreciate if you could look into this and inform US Bank that {$300.00} is to be posted to my account. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (TX)

I believe that Chrysler Capital is in violation of the Graham-Leach-Bailey Act ( GLBA ) of 1999, which prohibits financial institutions from disclosing nonpublic personal information about their customers to third parties without customers ' permission. 

The selling of my nonpublic personal information to a third party, XXXX XXXX XXXX on XX/XX/XXXX was a clear violation. 

The Graham-Leach-Bailey Act also places restrictions on how companies use customers private data and requires companies to establish an opt-out policy for preventing some third-party sales.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not given any information on how I can exercise my consumer rights in good faith.
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (NC)

Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, or remove this review immediately.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Please help me! My card has been down for five days. I can not use it for instore purchase for food, or even online, or to withdraw cash! I have spent over ten hrs on hold in the last three days, and today their website is down!!
Consumer complaint received 2024-03-18
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. (TN)

On XX/XX/year> I submitted a complaint to the CBPB pertaining to an unauthorized hard inquiry that XXXX furnished to my credit profile. see CFPB report # XXXX. In response, XXXX admitted to the issue and agreed to remove the inquiry. On XX/XX/year> I called TransUnion to inquire as to why is the inquiry still being posted to my credit profile after the reporting company gave them instructions to have it removed. TransUnion stated that they would have the issue fixed within XXXX business days. As of XX/XX/year> the inquiry is still being posted to my credit profile which is a violation per FCRA. This situation has had an impact on my credit worthiness and has caused me and my family stress and anxiety. I am demanding that the Inquiry be removed from all credit bureaus.
Consumer complaint received 2022-06-02
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. (CA)

Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out to Transunion were consciously denied andneglected which I considered being unprofessional on their end.This is my 6th attempt to request all documents to be provided and issued to me. Notfulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XXXX Inquiry Date XXXX
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC (FL)

XXXX XXXX XXXX XXXX and or Credco was never authorized to pull my credit. Please see the attached pdf that does not provide concrete evidence that I approved this credit pull. Once you review the attachment, have XXXX XXXX XXXX XXXX and or Credco provide proof that I authorized a credit pull. When XXXX XXXX XXXX XXXX and or Credco fails to provide concrete evidence that I authorized a credit pull, please remove their credit pull from all credit bureaus.
Consumer complaint received 2019-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

XX/XX/2019 Atm Withdrawal Without Charge 1 {$140.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Atm Fee-bal Inq At Other Network {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$310.00} these fees and transactions are not mine XXXX XXXX
Consumer complaint received 2022-06-02
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. (CA)

Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out to Experian were consciously denied and neglected which I considered being unprofessional on their end.This is my 6th attempt to request all documents to be provided and issued to me. Notfulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XX/XX/XXXX Card Date of Inquiry XXXX
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (TX)

Upon viewing my credit reports and I noticed DEPTEDXXXX ( XXXX ) had a discrepancy in the Date Opened, last reported, last active, and date of last payment section of the listing. 
XXXX are reporting date opened XX/XX/XXXX However Equifax is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
XXXX are reporting last reported XX/XX/XXXX. However, Equifax last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting last active XX/XX/XXXX. However, Equifax last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
XXXX are reporting date of last payment XX/XX/XXXX. However, Equifax date of last payment XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these items immediately. 

Upon viewing my credit reports and I noticed USDEPT EDXXXX ( XXXX ) had a discrepancy in the Date opened, account status, payment status, last reported, date last active, date of last payment section of the listing. 
XXXX are reporting date opened XX/XX/XXXX However Equifax and XXXX is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different?. 
XXXX are reporting account status Paid. However, Equifax and XXXX account status is derogatory. If this the same account, reported by the same creditor how are the statuses different? 
Equifax are reporting payment status Late 120 Days. However, XXXX and XXXX date opened Collection/Chargeoff. If this the same account reported by the same creditor how are these payment statuses different? 
XXXX are reporting date last active XX/XX/XXXX. However, Equifax date last active XX/XX/XXXX. XXXX, last active date XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting date of last payment XX/XX/XXXX. However, Equifax date last reported XX/XX/XXXX. XXXX, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting date last reported XX/XX/XXXX. However, Equifax date last reported XX/XX/XXXX. XXXX, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these item immediately.
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (IL)

Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XXXX XXXX Bankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates XXXX5 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )
Consumer complaint received 2022-06-02
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. (IL)

Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XXXX XXXX Bankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates 15 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )
Consumer complaint received 2022-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IL)

This company Convergent Outsourcing is reporting to XXXX and XXXX on my consumer report that a debt is owed to them. I have not received any information regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and hampering my ability to obtain credit.
Consumer complaint received 2022-06-02
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. (NC)

TransUnion has mutiple error on my credit report i have contact numerous times to get items removed and the only option they keep giving me is to make a report with you guys they have the address listed below on my credit report and i have never lived in New Mexico in fact i have never even traveled there please do what is right get them to remove. 
Address : XXXX XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2022-06-02
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. (PA)

I want to apply for a mortgage house loan and was denied due to all 11 unauthorized hard inquiries that are on my credit report when it checked onemain XXXX XXXX XXXX XXXX card XXXX card XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am disputing the accuracy of certain items on my credit report as provided by the credit bureaus, XXXX, XXXX, and TransUnion. Despite multiple requests for verification, the accounts listed below remain unverified, which has negatively impacted my creditworthiness and ability to obtain credit. Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), I request that these accounts be thoroughly investigated and either verified with hard evidence or removed from my credit file. This law mandates a reasonable reinvestigation to determine the accuracy of disputed information within a XXXX period. Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file.