davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 

XXXXXXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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 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 information is inaccurate.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My XXXX and XXXX XXXX XXXX both say I have over {$40000.00} in student debt because they are duplicated. 
XXXX Had my student loans until XXXX took them over. 

XXXX is still reporting it on my credit reports as a debt. I called XXXX XXXX and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2. Dept of EdXXXX is not collecting. 
XXXX is and it is a double debt.
Consumer complaint received 2023-03-04
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I recently found you are reporting on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report with a report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report and I am requesting you to please remove them as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$1800.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting Act section 605b, please remove the fraudulent items as soon as possible.
Consumer complaint received 2023-05-18
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. (RI)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The Account : XXXX XXXX XXXX with a Balance : {$5000.00} ; is showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (FL)

The enclosed company have been hassling me though text messages and now email please help. i don't owe anything to them Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (ND)

In reviewing my credit report I noted a Loan in the amount of XXXX. As i investigated i found the amount of {$66.00} being paid by my credit card. I noted this payment went back to XXXX 2021. I send the credit card company that I work with all the information. I then called the actual payment credit loan company out of XXXX, ID. The company asked for my 16 digit account number or the Retailer where the Loan was made, but I can't get access to the account and the Retailer because I don't know the account number used or the retailer. I started working with XXXX  on this as well as the loan amount has brought down my credit score. I called my personal bank to see if they had information, that when I found the amount being paid from my credit card since 2021.
Consumer complaint received 2023-06-12
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. (NV)

For the past several months I have submitted documents against the credit reporting agencies XXXX, XXXX, and Trans Union. All I get back for a response is the Bankruptcy is valid. I never submitted documentation with my consent to fish for information to add to my credit report. I have filed charges with Nevada State Attorney General for Identity theft.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX, I filed a dispute with customer service over fraudulent charges to my account. They said it had been filed and I would need to go to the branch. I went to the local branch and the assistant bank manager ( whose name I can not remember ) said they had indeed filed the dispute but they missed on transaction so she filed the dispute on the XXXX charge. I asked when I spoke to customer service about my incoming deposit on the XXXX and was assured that I would be able to get the deposit out. I also asked the assistant bank manager who told me that I would be able to get the deposit as well. On the morning of the XXXX, I called the bank to make sure that I would be able to get the deposit and was told that the original dispute by customer service was never done and the over {$1400.00} I had in my account at that time was taken and applied towards the negative balance. I was also told that the deposit that I was assured I could get was also taken and applied to the negative balance. I had to refile the dispute on the 7 transactions of fraud again since it was never done to start with. The last lady I spoke to said she talked with another department to " try '' to expedite a refund of the over {$1800.00} deposit but it would take 24-48 hours before I would know anything. This isn't the first time I have had to change my debit card because of fraud. I have to change it ever 3-6 months because of their laxed security. They have put my family in a financial bind and we are at risk of losing everything because of this. I spent XXXX hours on the phone with the bank and nothing has been resolved.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2024-01-19
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. (AR)

I was in the process of getting a mortgage in XX/XX/year> when we discovered a charged-off account listed on my Transunion credit report, as well as a collection for said account. I started a dispute on the credit card account through Transunion as well as contacted XXXX XXXX XXXXXXXX to get verification that the account was not mine. After XXXX phone calls with XXXX XXXX XXXX , they were never able to link the account to me after providing my personal information such as social, addresses, account numbers, etc. The charged-off account shows a similarly spelled name, a different middle initial, and the same last name as mine. Also, the account populated a Texas address on my credit report, and I have always lived in XXXX. All of my accounts and records reflect that. Now I show a charged-off account through XXXX XXXX XXXXXXXX XXXX as well as a collection on my Transunion report that is affecting my credit adversely. Transunion did its job investigating the discrepancy, but the dispute came back the same since whoever they dealt with at XXXX XXXX XXXX did not take the time to look into it any deeper. I am at a point of frustration with them considering I have my checking, savings, and credit card that are all in good standing with them.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I had a XXXX XXXX XXXX ( XXXX ), XXXX. credit card that I was unable to pay. The total debt amount with fees and interest totaled {$7100.00}. On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of XXXX XXXX, offered me a settlement amount of {$1400.00} to resolve this debt. Because my auto loan is also with XXXX XXXX and is current, XXXX XXXX was willing to work with me and offer me the lower settlement amount. I accepted their offer and paid XXXX XXXX Solutions {$1400.00}. 

Portfolio Recovery Associates, LLC has been attempting to collect the original amount of {$7100.00}. I've notified them both verbally when they called and in writing about the settlement agreement with XXXX XXXXXXXX XXXX. On XX/XX/XXXX Portfolio Recovery Associates sent me a letter stating that they have completed their investigation, and the debt is valid.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (WA)

I joined a Robinhood Brokerage in pursuit of purchasing XXXX for low fees. On XXXX I financed my account with XXXX XXXX from my Primary checking acct of XXXX. I immediately spent the sum purchasing XXXX within Robinhood. I attempted to withdrawal all cryptocurrency and was notified by Robinhood that " Suspicous Activity '' had been detected associated with my account. As a result Robinhood restricted my account. I was prevented from ever having possession of my XXXX. After investigating for many days and being pressured by self to conclude their investigation so that I would be able to send coin, Robinhood terminated my account sans providing any explanation of the reason behind such action. Robinhood sold the sum of my XXXX which had appreciated in value - increasing {$300.00}. The money of proceeds was shown as " Withdrawable Cash '' but all attempts to withdraw those funds failed & invariably a message saying " money can not be withdrawn from restricted accounts ''. I made a litany of attempts to obtain assistance by Robinhood staff to address the matter. Not one of them appeared to ever pursue a solution. I know not how, short of filing a civil claim, I can retrieve what is mine.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I paid with two of my company credit cards the sum of {$19000.00} and I already complained to the bank and the bank rejected my claim. I need the money back because paying that campaign where I made the transaction was a scam. The date is XX/XX/year>.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (KS)

On XX/XX/2023 I noticed a charge on my express credit card for {$450.00}. I did not make any purchases that day. I was actually at work. When I logged into my account, it stated that a bag of some sort had been purchased for that amount in Ohio. I reside in Kansas. I immediately called the company and advise them that I did not make this charge, and I was told that it would be reported to fraud. I noticed that the charge was removed from my account, and it was taken off of my credit report. I thought that the matter had been solved, I was told that the account had been closed, and I would be issued a new card. On XX/XX/2023 I received a notation in my credit monitoring that my credit score had decreased by XXXX points. I also received an email from XXXX stating that my bill was due to be paid. When I logged into my account, the previous charge of {$450.00} was stating as amount owed. In the first opportunity during my workday, I called and I spent a significant amount of time on the phone trying to rectify this. Unfortunately because I work in medicine, I had to return to see another patient and I had to get off the phone. I called back at the very next opportunity, the same evening, and was transferred multiple times. Each person I spoke with, said that they didnt understand what had happened, and they were going to transfer me to a department that could assist me. on XX/XX/2023 at XXXX XXXX. I spoke with the fraud department with a person named XXXX. I was advised that there is nothing she could do and that I must call again tomorrow to speak with another fraud department. I did advise her that I work in medicine, and a critical access hospital where I am the sole provider. Due to the nature of my business ( emergency room ) there is no physical way. I can call to be on the phone at XXXX XXXX, there is no one to cover for me. She stated that she was sorry and that I needed to call. I asked each person I spoke with, if they could tell me what had happened that this charge was placed back on my account, I have never lived in Ohio. I do not know anybody in Ohio. And I have not used that card to purchase anything. I have yet to receive an answer, my credit score has declined significantly, and I have no way of managing this problem despite spending hours on the phone and multiple phone calls.
Consumer complaint received 2020-09-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (NC)

I previously submitted a complaint with cfbd about regional acceptance reporting wrong information which is considered fraud. I received a response from regional acceptance with documents that support my complaint. I sent a debt validation letter to this company I received a balance statement. No where in the statement is the amount thats being reported. I asked for my debt to be VALIDATED not VERIFIED.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

XXXX XXXX XXXX XXXX by comenity Bank. Has billed me for merchandise without sending the merchandise. Because I told them I didn't want it due to the fact, they said it could take 20 days! they have reported the balance to the credit bureaus, and damaged my XXXXredit score... they refused to send the merchandise or remove it from my bill!!
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX XXXX.