davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
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)

Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus . Transunion, XXXX, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. 
Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192.

Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation.

15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.
Consumer complaint received 2022-12-24
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)

When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-24
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)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XX/XX/XXXX XXXX XXXX XXXX Section XXXX A- States I have the right XXXX privacy. 

XXXX XXXX XXXX Section XXXX 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 2023-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (SC)

I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX  was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Per XXXX XXXX and experian XXXX XXXX are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed jointly with someone else which this two is inaccurate information per usc 1681 b permissible purposes which means I have a right to be notified when these credit reporting agency are putting information on your credit report all four of these credit reporting agencies have never called or sent anything in writing per usc 1682a that I as the consumer have a right to fair and accurate credit reporting when I filed a dispute with experian they re verified information that the reported I am Also a victim from the data breachs in which XXXX and XXXX and experian had which cause my soical to be leaked on the dark web.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This corrupt bank still held my account open after they allowed fraudsters to take all my money. Originally, they told me that it was closed in 2018, and that I had to go to the branch to open a new account. However, I declined because my money was never safe with them. Fast-forward to today. I receive a reimbursement by accident to the old XXXX account, and the ACH transaction does not bounce back. I call in to receive some of the worse customer service and incompetence ever. These people who they hire at the call centers never use simple logic. They are telling me that I have to go to a branch to resolve this when I live 7 states away to the closest one. Then to top it off, I can't cancel the account and get a refund, so XXXX is holding my money illegally in an account that should have been closed when the fraudulent transactions took place. I was able to remove all other associated accounts that went into the negative on my XXXX   because XXXX XXXX lax security on bank accounts, but I am working on the 2 other credit bureaus. They are terrible and I don't even care about the money anymore, just close my account and delete my personal information. I don't want to be associated with this terrible institution anymore. They don't value their customers.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 man 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 2022-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX  closed my account and reported a charge off to XXXX, XXXX and XXXX and my Consumer Rights have been violated and I have been defamed. I communicated with this company honestly and earnestly without resolve. My last good faith attempt was simply asking them to validate the alleged debt by sending me an accounting of said credit. I did not refuse to pay ; a debt validation request was sent and next this I knew.. my account was closed and now my Consumer credit scores are inaccurate and it's effecting my health and livelihood.
Consumer complaint received 2020-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have contacted XXXX XXXX  ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( inquiry XX/XX/XXXX ), XXXX  ( inquiry XX/XX/XXXX ), and XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2022-12-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Financial Services of Michigan LLC (MI)

I got this bill for XXXX $ from XXXX XXXX and I have no idea what it is for. I haven't received any medical treatment for anything that I recall. I tried calling them today ( XX/XX/XXXX ) and the bill I got said to contact them before XX/XX/XXXX so I called them but they said they were closed
Consumer complaint received 2022-12-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (LA)

RE : Loan # XXXX FREEDOM MORTGAGE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ PLEASE NOTE : MY EMAIL AT BOTTOM OF THIS FORM IS INCORRECT AND WILL NOT ALLOW EDITING. MY EMAIL IS : XXXX NOT " XXXX ''. ] My mortgage has been deferred for 12 months, and then extended through XXXX XX/XX/2022. They tell me in their letters, they need the info packet completed and returned to them. 

I have completed their packet and returned to them 4 times. They reason the packet was incomplete, eventhough I completed every thing and each time faxed and then mailed. 

Because of this vicious cycle with the info packets, I have missed crucial deadlines that would have allowed my mortgage arrears to be placed at the end of loan and I would have kept my extremely good interest rate. 

In a letter to them, I informed them that my phone and computer was hacked. I didn't have a good phone number to give them and I could not access to my account online. 

My loan is in default, the arrears are increasing, interest is being charged and all credit reporting agencies are being notified. Creditors have sent letters that theiy will close my account due to real estate issues, late payments. 

In the beginning of XXXX, I paid the annual real estate taxes, ( XXXX ) I also sent Freedom Mortgage XXXX checks totalling XXXX. They returned my XXXX checks.
Consumer complaint received 2022-12-24
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)

When I reviewed my credit report, I discovered that some of the information are erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$530000.00}.
Consumer complaint received 2022-12-24
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. (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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the information is inaccurate.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was at the drive thru Bank of America ATM at XXXX XXXX in XXXX XXXX CA XXXX on XXXX at around XXXX. I deposited a {$120.00} check and {$350.00} in cash at the ATM. The ATM took both deposits without an issue, but it never formally generated any receipt and it just kicked me out of the system. The transactions don't appear anywhere on my account and now my {$470.00} deposits are all gone. I tried to call the number given to me at the ATM, but their voice system refuse to connect me to anyone. I would like to request the CFPB to step in and see what is going on. It is not acceptable for Bank of America to misplace people 's cash at the ATM. This needs to be fixed ASAP as I need this deposit to make my car payment. 

The dash cam on my car caught the entire deposit sequence of me putting a check and cash into the ATM.
Consumer complaint received 2022-12-25
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: Neon Newco Corporation (FL)

I purchased what I thought was a prepaid debit card from NetSpend, but they are something totally different I suppose. I tried calling to activate the card, but I fail the automated " security test '' because the social security number " does not match [ their ] records. " I never gave them a SSN. So I talk with a rep and no matter how hard I plea with them not to send me back to the automated system, they do anyways, and after failing the security test a second time, I get put on hold for 10-15 mins until it just hangs up and I start the process all over. 'NetSpend was sued by the FTC in 2017 for doing this exact thing. How did these cards wind-up on the shelves of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (SD)

I opened this credit card, over a year ago, have NEVER missed a payment, even have insurance, XXXX XXXX XXXX XXXX XXXXXXXX  on XX/XX/2022, I attempted as soon as early XXXX to attempt to make something, anything happen so I can catch up at a later month or anything, even tried to use the insurance, which because I wasn't " fired '' they would not work with me, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I don't get " fired '' all I want is some lienency or some help, not continuous adding to my hardships
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On or about XXXX 2022, I was XXXX  by also-XXXX  as a XXXX XXXX. I was told, via email, I would need to make 5 purchase orders of computers, etc on my credit card before being issued a company credit card for future purchases. XXXX agreement upon being hired, also-international agreed to pay off my credit card debt of {$250.00}. However, my credit card limit was not sufficient for the amount of purchases the company wished to make. I notified the company of this barrier, and indicated that I needed a company credit card. I was informed that my contact was consulting with their boss, however, a return payment was issued. This payment came through during the XXXX XXXX. I noticed this via the Capital One app, XXXX XXXX, and made a complaint. Upon speaking with a company representative, I was informed that my account had been closed due to fraudulent activity, which I was actively reporting. The company closed my account immediately, without compromising regarding its status or confirming my complaint. This was unexpected to me and unfair. I have a 21 message email chain from also-international that I cant upload, yet can forward via email upon request. Here is information regarding also-international. 
Federal Registration : Legal Name : ALSO XXXX XXXX. 
Federal Tax ID : XXXX Our registration ID in XXXX XXXX  : Entity Name : ALSO XXXX XXXX  XXXX address : XXXX XXXX XXXX, XXXXXXXX XXXX, NY XXXX, XXXX Department XXXX XXXX ID : XXXX Our headquarters are located in XXXX : Legal Name : ALSO XXXX XXXX Headquarters address : XXXX XXXX XXXX XXXXXXXX XXXX ( Unique identifier ) : XXXX Commercial register number : 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian is furnishing fraudulent information on my consumer report. XXXX XXXX XXXX Alleged account number XXXX. Ive brought this to their attention several times with no success, they have yet to furnish any supporting documentation that this belongs to me.
Consumer complaint received 2022-12-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.