davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I'm unable to use the Shell/Citibank master card that I received. I am unable to log into my account or change my privacy preferences. After I register the card there is a constant online error message. The company first said that these were all technical errors and that I should change my pass code and register the card again. This did not solve the problem. The company then stated that they would have to talk to 'management ' to resolve the issue, and that this would take an additional 10 business days. Furthermore, I am unable to opt out of information sharing. The automated system simply disconnects the number and says that it's unable to process any such request. Furthermore, my cash advance limit was limited to {$50.00}. This raises extreme privacy concerns involving the company Shell and officials in the state of Arizona where these crimes are being perpetrated.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX, I received a letter from Resurgent stating that I owed a debt LVNV Funding LLC money. They didnt include any information other than the original creditor of XXXX XXXX XXXX on the letter. I sent them a letter on XX/XX/XXXX requesting more information regarding the debt. I received no response. In XXXX of XXXX I noticed that LVNV Funding placed the collection on my credit report. I sent a letter to all 3 credit bureaus requesting this be taken off of my credit report due to fraudulent activity from this account. I sent a copy of the police report showing the creditor listed. In XX/XX/XXXX I sent another letter directly to LVNV requesting contract or agreement with all parties information with no response either. Now they are sueing me for the collection when they never responded to me.
Consumer complaint received 2023-07-17
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. (FL)

To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Name - Account number This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item Immediately :
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I've requested assistance with all three bureaus XXXX, Equifax, and XXXX XXXX XXXX XXXX XXXX ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a Self account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to resolve a debt that they acquired from XXXX University. I told the associate ( XXXX ) that I did not want to settle for a lower amount, but instead pay the balance in full with the terms and agreement that the debt would be deleted/removed/ from my credit report. Having my final payment scheduled for the first of XXXX, I contacted XXXX XXXX XXXX  today ( XX/XX/19 ) to request that they fax the deletion letter on the XXXX of XXXX. Upon doing so, I was told by both the associate and her manager ( XXXX ) that they wouldn't do that, and could instead only notate the account on my credit report as " paid in full '' and that the only solution they had on their end was to handle their own issues internally with XXXX ... ... a solution that does not help me at all. To date, I have paid {$3700.00} of the {$4900.00} owed, in a matter of 4 months. A deed that was both very financially and mentally burdening to me, but at the same time done to uphold an agreement that was made in XXXX ; an agreement that is apparently not being held up by the company that told me they would. I feel as if I was lied to and misled in order to pay the full balance due, with no real quick outcome in helping my credit, which was the goal of the initial agreement. I would NOT have agreed to pay {$5000.00} in a matter of 4 months without the terms being what were agreed upon initially, and I honestly would have settled for a much lower amount.
Consumer complaint received 2019-06-18
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. (NH)

1 1/2 years ago my identity was compromised resulting in this on my credit : XXXX XXXX XXXX CC Opened XX/XX/2016 {$1700.00} I want it removed.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

Hello, my name is XXXX XXXX, I have a son XXXX XXXX with XXXX XXXX. He receives Social Security benefits monthly. I have a bank account at Wells Fargo together with him. Recently my computer was hacked and money was sent out from this account thru XXXX at Wells Fargo to my name and my other son 's XXXX only received the initial {$5.00} but not the {$900.00}, I was supposed to also receive {$100.00}. Upon investigating the fraud department from Wells Fargo denied the restitution of the money hacked .Total of {$1000.00}. XX/XX/XXXX was the day that this happened, I immediately called the bank and the account was closed. I also deleted the XXXX receipients. Wells Fargo never asked for my XXXX XXXX  XXXX statements and my other son 's XXXX to see if the money really got deposited into these two accounts. I am very upset, the only money that my son XXXX receives and saves due to his illness. Please try to help and Hopng to hear from you soon I send my regards Thanks XXXX XXXX
Consumer complaint received 2019-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the  disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (DE)

Hi, I got charged by my bank ( PNC ) for a cash advance fee for an " overdraft '' protect feature which I believe had already been turned off. 

I over drafted my checking account on XXXX, and immediately fund the account as soon as I realized it. The bank funded my checking account by drawing a cash advance from my credit card account via overdraft protection feature and charged me a {$170.00} cash advance fee. I believe I've already disabled this feature. I called the bank asking about the charge, 2 persons, one from checking and another from credit card, both told me that they saw the feature was off - they escalated the issue. However, when the representative from the escalation department called me back, he wasn't able to resolve the issue. 

The cash advance fee was way higher than what i would have been charged for overdraft. Not sure why the bank would even call it protection. The bank didn't notify me when my account was overdrafted until the next day, otherwise i could have fund the account immediately.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (MS)

After seeing on my XXXX credit report that I had an outstanding balance of {$19000.00} through Monterey Collections, I called the collection company on/about XX/XX/XXXX. They did not have my social security number in the system or connected to any account. I had never received anything in the mail from the company. ( They told me that correspondence had been sent to ... my ex-mother-in-laws home which I never lived ). I told them this as well as the fact that my ex-husband is solely responsible for the XXXX timeshare. I have no paperwork, no information since our divorce in XXXX when he was awarded the XXXX and held solely responsibly via court documents for all payments with me being held indemnified and held harmless ( see section XXIV attached ). They told me I would still be responsible. I told them I had court documents stating otherwise. I went through XXXX  to dispute and included my divorce decree in that documentation. The collection company still refused to delete from my credit report and instead added a note that it was a joint account with my ex-husband ( even though the court papers state I am not responsible for anything that was joint- he is ). After the fact, I contacted our state Attorney General 's office and was told that legally I am not responsible for any of it and they can not come after me in any way. It would not hold up in any court. I am going to file a case through our state 's Attorney General 's office as well. I need this deleted from my credit report and for them to not contact me about this in the future for any reason.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (SC)

Diversified Consultants Inc. purposely reported to all 3 credit bureaus a negative debt of {$280.00}, as a collection. I have never been notified by the origin creditor XXXX XXXX or Diversified Consultants Inc. Reason being ... my account was paid in full when I switched service providers. I purchased a new home and neither company had my new address ... I never received any forwarded mail from either and Diversified Consultants Inc cant provide me with any returned mail they may have got ( and they didnt ) They only learned of my New Address when I wrote them Disputing the negative credit mark on my report. I sent them a certified letter on or around the XXXX of XX/XX/2019 ... crying foul of them not giving me a chance to dispute and challenge their assumption. Today XXXX XX/XX/2019, I received my first letter from DCI. They are doing things in reverse order and have cause me great problems. I ask you to look into this violation and have them remove the negative entries on all 3 credit reports. I am sending you the very first letter I received from them and my certified letter which I mailed once I was notified that they purposely reported a Collection on my credit. They have deliberately violated the rules of the FCA and my RIGHTS as a consumer. Anything less than a complete deletion is really a travesty and I will pursue legal action.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, TransUnion and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Consumer complaint received 2023-04-09
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have violated my rights. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, XXXX, and Equifax are holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but XXXX isnt doing its job according to the law.

I've included a substantial amount of evidence, that is simply undeniable!

Please help correct these mistakes and wrongdoing & be of assistance for me getting my life back together Thank you
Consumer complaint received 2018-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

On XX/XX/XXXX, I contacted NCB Management Service to get my account number. I wanted to send them a letter of validation. I noticed on my XXXX credit report that a had a negative entry from NCB Management Service dated on XX/XX/XXXX. I never had an account with NCB. The customer rep stated on the phone that they no longer have my account and it has been sold to XXXX XXXX. I asked them to please remove the unauthorize entry. The rep stated that nobody there had the power to remove it out and rudely hung up the phone. I would like to ask NCB to validate this account or delete it immediately. Please have NCB to provide : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.
Consumer complaint received 2023-04-10
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.