davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (IN)

In accordance with the fair credit reporting actXXXX account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.

The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX via XXXX XXXXXXXX XXXX  Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX TypeIndividualPermissible PurposeXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Location XXXXXXXX XXXX XXXX XXXX, CT XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (CT)

in the past 2 years i tried to fix my credit. i had some delinquent accounts. i contacted all of them and asked if i could make a payment for less but they would except it as payment in full and would ask the credit agency to remove them from my credit report. all agreed to do so. to my surprise i found out there were 4 companies who didn't do as they agreed to do after paid. ( i owed about 12 companies ) i than contacted each of the 4 of them with no success of having these negative accounts being removed after they agreed to do so. it was a bait and switch tell me anything to get paid and then not do what you said. i am at wits end. I don't know where to turn that's why im contacting you. The name of the companies are Barclays Bank partial acc # XXXX, XXXX XXXX partial acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX XXXX partial acc # XXXX. i would appreciate any help you can give me in removing these items. Also there are 3 self reporting items that should be removed they are on my report and shouldn't be, as i just wouldn't allow a company into my bank account anymore to see that they are paid as i didn't feel comfortable with a credit company in my account
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP (CA)

I purchased  XXXX  credit report/score with credit monitoring. I called to cancel and they cancelled my service immediately and refused to provide a refund for services I would have received for the remainder of the month that was covered.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 around XXXX XXXX my brother and I drove up to an ATM to make a withdrawal. My brother put the card in and punched my PIN number in. Once my brother chose the type of bills to give the ATM screen froze and did not dispensed the cash, after a few seconds the ATM gave my card back but no cash or receipt of the transaction. My brother tried to put my ATM card back in, thinking the transaction did not process, but it spit it out. Still no receipt or cash I decided to get out of the drive thru and go to the ATM attached to the building, there I realized the money was out of the account. I asked my wife to call the bank to let them know what happened. She called right away and filed a claim. The bank stated the investigation could take 10 to 45 days. Once the investigation was completed the bank stated that there was no dispense error by the ATM and that we drove off leaving the money at the ATM and the person in the car behind us took it, so the bank is not responsible. My complaint is that the ATM machine must have dispensed the cash after we drove off since the camera shows the car behind us getting the cash about 18 seconds after we drove off. According to the bank the ATM camera doesnt have sound so theres no way to hear the beeping made by the cash door when it opens on camera, so how does the bank know when the cash was dispensed? I didnt received any documentation that proves the ATM was supposedly operating properly either.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (FL)

To XXXX XXXX & First Credit Services : During this pandemic in which I have been out of a job, I can't believe that I am actually being charged fraudulently by a company that made cancelling their membership confusing and complicated ( which I can find other members to agree with me ). This complaint is regarding account # XXXX, which you claim you're collecting a past due obligation of {$540.00}. This is a formal notice that your claim is disputed. It was a hassle to even understand XXXX XXXX  pricing because nothing is made available online or printed in person to review, which was always scammy to me but now it makes sense. Fraudulent debt collecting is how you make your real money and you wont be getting over on me. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via XXXX reviews, XXXX  reviews, an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

Update : On the Midland Credit Management website. Under " Our Consumer Bill of Rights '' Article XXXX : Hardship. This is Midland Credit Management own rules and regulations. " Article XXXX : Hardship XXXX XXXX XXXX Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify XXXX XXXX servicemembers and stop legal collections from those servicemembers. 

We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 

We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 

We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. 

We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 


Again, violating their own rules and regulations. 

" We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster ''. 

Well, this is completely false because we are still under a XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX Countermeasures all three cover each other. XXXX XXXX Licensed to kill, Liability shield from XXXX XXXX. What is XXXX? XXXX XXXX XXXX, because we are still under a PHE. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " Job Loss, or Other Hardships '' I have lost my business in 2020. I take care of my XXXX grandmother. 

Debt Collection Practices in Connection With the Global XXXX Pandemic ( Regulation F ) Section XXXX prohibits certain debt collection practices by debt collectors related to the global XXXX pandemic. 

XXXX XXXX XXXX XXXX, my question is how Midland is allowed to take people to court when they aren't the original creditor which is XXXX. So, if what MCM claims I owe them is true then why didn't XXXX take me to court? So, all MCM is doing is buying from XXXX but have no clue if XXXX themselves have sold them fake debt. This isn't the first time this has happened.
Consumer complaint received 2023-02-04
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: AMERICAN EXPRESS COMPANY (TX)

XXXX is reporting several inquiries by American Express to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day. XXXX refuses to remove the inaccurate information while it only took a simple phone call to XXXX and XXXX to get this error corrected. 
XXXX wants me to reach out to American Express which I did and they both XXXX and American Express Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX made over XXXX hard inquries to my credit report within a XXXX  day period which is clearly a mistake and refuses to correct the mistake. 

Help with correct this will be greatly appreciated.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX at XXXXXXXX XXXX located at XXXX XXXXXXXX at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. I tried dispensing XXXX $ out of the XXXX ATM inside my store, I had closed the doors and turned away for 20 seconds to talk to my cashier, in the time I turned away the money had dispensed, me assuming I would be okay since the doors were closed and it was only me and him in the store. Little did I know that the ATM would retract that money back into the ATM as soon as I tried to reach for it, it then proceeded to debit my account the XXXX $ and so I obviously printed out the receipt it gave me, even my cashier was in shock that it did that. I was going to pry open the ATM but did not want to be responsible for any damages. I filed a dispute with Chime because unlike XXXX XXXX XXXXXXXX and XXXX which I both bank with, did the same thing, took my money, debited my account but the only difference was that they gave me my money back the very next day as with Chime, its been over 1 week and theyre still investigating when all they have to do is reach out to the ATM company, see there is a surplus amount of XXXX $ for that day, it should not be that hard especially since that ATM was not used for at least another 8 hours because we dont open until XXXX even the XXXX cash pick-up man was confused as to why my account hadnt been credited back for the faulty error. I have my stores camera footage and would be more than glad to send the entire 2 minute footage of the incident.
Consumer complaint received 2023-02-16
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. (NV)

I submitted multiple written disputes to Experian, XXXX, and XXXX regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with Experian, XXXX, and XXXX. 

The responses from Experian, XXXX, and XXXX clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from Experian, XXXX, or XXXX. I have not received any documentation to date from Experian, XXXX, or XXXX that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # 1 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # 2 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXX XXXX XXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXXXXXX XXXX Charge-off 8 ) XXXX XXXX XXXX XXXX Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with Experian , XXXX , and XXXX. I am requesting the CPFB assist me in working with Experian, XXXX, and XXXX to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

I haven't charged anything on this card for almost XXXX year. When my introductory rate ended, the bank ( Wells Fargo ) raised the rate to XXXX % which was also not expected. I now understand the " shell game '' they have played. XXXX month prior to my introductory offer ended, the bank lowered the amount I could charge ( even though I've never been close to the amount ) which then lowered my credit rating. Based on that, they then raised the rate to XXXX  %. 

However, I know the federal regulations only allow them to use that rate for new charges, not old charges. They refuse to listen or explain how they can do this and not be in violation of federal regulations. 

They have raised my monthly payment to $ XXXX even though all of those charges are not new, they are very, very old. That is basically half my rent. I was using this card to pay off medical bills rather than declare bankruptcy. Now they have left me no choice.
Consumer complaint received 2023-02-16
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-16
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. (SC)

XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1300.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 ) Balance {$750.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

sirs @ transunion, these accounts are not mine adverse : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THESE ACCOUNTS IN MY CREDIT FILE # XXXX  THEY ARE LISTED ON FTC REPORT AS FRAUDULENT ACCOUNTS!