davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (IA)

Account is a mistake it self because its reporting inaccurate information. The following data is either inaccurate or missing : Date last verified, date open, date last reported, disputed status, last payment, stating a pass due on a collection account, stating open account while in collection and derogatory all at the same time. Previously, disputed account with bureaus and results came back with copy of bill statements. This does not correct the inaccuracies that account is reporting.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX, Transunion report # XXXX, is laced with false entries. 
1. XXXX Card was closed BY ME, the consumer on XXXX.TU put grantor-that is FALSE! CHARGE off happened XX/XX/XXXX. REMOVE THIS ACCOUNT for all the false entires=FRAUD!! .Double entries on XX/XX/XXXX and XX/XX/XXXX for 120 days. From XX/XX/XXXX to XX/XX/XXXX is to be a CHARGE OFF-Closed by consumer!! Correct balance to XXXX!! 
Date closed XX/XX/XXXX by me!! .No maximum delinquency of 120 days-REMOVE false statement. 
2. XXXX XXXX and XXXX XXXX are to show updated information. Today is XX/XX/XXXX. 
3. On regular inquiries -Remove all OLD inquiries. XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. Incorrect information. Not correct date. Remove it. 
4. Remove and block all Promotional inquiries. I never authorize these transactions. 
It says Transunion XXXX XXXX with several dates. Transunion is retaliating everytime I file a dispute and lace my credit report with false entries. REMOVE IT!! Consumer Fraud. 
5. Account Review Inquiries. Remove the following : Transunion XXXX XXXX on XX/XX/XXXX is recorded twice. Look above it- says the same. Remove it. 
6. XXXX, I NEVER authorized them to run my credit report ever!! Remove it at once.
Consumer complaint received 2024-03-04
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. (CA)

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 2019-06-23
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)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation for those two companies?
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth/Third Bank recently ( XX/XX/2018 ) purchased ( unfortunately ) my mortgage from XXXX XXXX. My correct escrow balance at this time is {$1900.00}.

Fifth/ Third Bank states I have {$800.00} as my escrow balance. They have conveniently misplaced ( or stolen ) {$1100.00} from my escrow account as shown/stated in the Annual Mortgage Escrow Statement they provided me about 2 weeks ago. I have called them 4 times about this shortage, and they promise to fix, but they don't.As far as I am concerned this is fraud and larceny.
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (DC)

We were given a {$200.00} American Express gift card with the receipt by a charitable organization. Several months later, we lost the card but still had the receipt. After many calls with American Express, they said they would suspend the lost card and send a replacement if we sent a copy of the receipt along with a letter with various details, including a copy of my drivers license and a utility bill. 

After sending all this information ( via email on XX/XX/2019 and XX/XX/2019, reference numbers XXXX and XXXX ), American Express did not issue a replacement card. They said they needed to get in contact with the the original purchaser of the gift card. I have no idea if they even tried to contact the original purchaser ( who was unknown to us ). 

So American Express is not issuing a replacement card to us, and isn't refunding the money to the original purchaser either. It seems they are just going to keep the money for themselves by hiding behind a Kafkaesque process with moving goal posts.
Consumer complaint received 2019-06-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

To whom it may concern. 
About a month ago, I noticed there's a collection on my credit report ... from Mitchell D Blum and Associates I sent a dispute letter asking them to proof me the debt is my ( validation ). They respond to me on XX/XX/2019 by sending me my discharge hospital documents. I feel that is a privacy isue, that shouldn't happened ( HIPPA ) and not only that I can't figured out on that document how I owe them the money that they are trying to collect, this is unfair and abusive.
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ORG GC GP BUYER, LLC (GA)

The company is attempting to collect a dept for my XXXX credit card. They call me about 20 times a day and about 3 of those calls have come after XXXX. I have asked them to stop calling so much and not so late only to be cussed out and called a deadbeat loser who cant pay bills!! I want this harassment stopped by them
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX  XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX   with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: REGIONS FINANCIAL CORPORATION (GA)

This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX  mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA credit card held a credit card payment for 7 days. In the mean time, auto-draft bills from the credit card account got declined and USAA had no resolution on and offered no work around.
Consumer complaint received 2019-06-23
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. (OH)

I have been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score.

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the POSSIBLEFINA still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud Acct : XXXX XXXX XXXX XXXX Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right. 

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application was used as a bill of exchange to fund the account as collateral! 

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank. 

Fact : EQUAL CREDIT OPPORTUNITY ACT prohibits discrimination in any aspect of a credit transaction. 

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-23
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mobiloans, LLC (AK)

I received a phone call multiple times in the last week to my place of work by a woman from XXXX XXXX. She was calling from XXXX. She was rude, threatening and has continued to call my work even after I have asked her to stop. She claims to be from Mobiloans.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I have been in contact with AmeriSave Mortgage Lender and they're doing fraudulent moves. They're trying to charge me {$500.00} to lock me in a rate, actually they say I can pick my rate which it doesn't make much sense. They had a lawsuit before becuase of this and they continue to do it. It was strange to me and thankfully I researched a little before making any payment. But I'm concerned that I provided my personal information such as social security.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax, XXXX and XXXX are reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX, 30 days from XXXX XXXX, 30 Days XXXX XXXX 60 Days XXXX XXXX 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2019-06-24
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. (FL)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.