davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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 act.the following accounts have violated my nrights. 

1 ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2019-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MA)

I noticed that a derogatory mark appeared on my XXXX credit report in the amount of {$91.00} with the open date XX/XX/2019. A similar mark appeared on my XXXX credit report on XX/XX/2019. The reporting company was listed as " DIVERSIFIED CONSULTANTS INC. '' I do not believe I owe this alleged debt. 
I have not been notified of any alleged debt by this company - via correspondence or otherwise. I believe this company is required to notify me of any alleged debt prior to, or no later than 30 days after, furnishing negative information to a credit reporting agency. It has been 30 days since this company furnished negative information, and this has not occurred.
Consumer complaint received 2021-08-24
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. (TX)

I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

I'm in a payment plan of {$50.00} a month on file # XXXX held by Midland Credit Management. On XX/XX/2021 I logged onto their online location and followed their login procedure ( requires you to enter file number which is listed above ) and the XXXX proof 4 step process not to be sarcastic just to point out that you can't make 2 payments at once you have to go through the login procedure and 4 step process each time. On XX/XX/2021 I noticed they withdrew 2 payments of {$50.00} each. I immediately reached out to them and they claim they have no record of that file number ( by the way I just made my monthly payment minutes ago to that very file number ). I have contacted them several times now and they just give me the run around, both payments appear on my bank account as going per ETC.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have asked Bank of America to close my savings account. This request was refused. As a result, I am being charge monthly fees. 

I have, at the same time, requested Bank of America to update my name on all of my accounts. This request was refused. 

I found this situation unacceptable. 

I went to a branch with all the necessary documentation. 

The branch is Bank of America, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

12 months ago I have immobilized the money in Binance XXXX, They say because of risk, several times they asked me to update information, id, claim letter, but the block to withdraw the money is never solved, the valuation in the account was XXXX XXXX today it is the portfolio is valued at XXXX. -I think I'm destined to lose all my money with the drop in the market.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

Hello, In XX/XX/XXXXof this year, I applied for store Credit Card from XXXX XXXX. After several weeks I had not received a credit card or statement but I know a payment should be due. I went online to make a payment and did so. The payment shows that it was processed on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called to ask where my card was. I had not called sooner due to work ( I XXXX ). I found out when I called that late fees had been applied to my account. Considering that I have never received a statement, and still have not gotten a card, I do not see how it is that I am expected to know my due date let alone that I have been accruing late fees. I told them this and they took off one late fee, but I do not see why I should be expected to pay any at all when you can't even get me a card.

The next page asked for my card number. If I had ever gotten one I'd be happy to give it to you. 

My phone number is XXXX XXXX XXXX, my name is XXXX XXXX.
Consumer complaint received 2019-06-20
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: Jon Barry and Associates, Inc. (SC)

Paragon you closed the accounts but still see one at XXXX in price. Paragon please remove asap. The recent write up from Your company Paragon states y'all will be closing removing all accounts in the cfpb complaints inbox in writing. Thanks for you response. Have a blessed day.
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OR)

From XXXX - XXXX, XXXX, I was living at a temporary address while my house was being built. I have always used my XXXX XXXX XXXX for all cards, bills, utilities, etc. I would never use the temp address. Having said that, I never checked the mail. When I moved out, the landlord handed me some mail with a debt to XXXX XXXX XXXX for {$1500.00}, at XXXX XXXX XXXX XXXX XXXX. I had no idea what this was about and ignored it. I've never opened an account with XXXX XXXX XXXX. I've never purchased products in their store ; I've never used their TV or internet service and they've never been my carrier, except when I worked for XXXX. But that was paid for and all my phones were provided by the company as a perk/benefit. 

What's troubling is that I worked for XXXX XXXX XXXX and left there in XX/XX/XXXX. I still receive retirement info from XXXX XXXX XXXX. 

Credence Resource Management started hounded me to collect the debt. For the last year, I've just been avoiding them because it's a scam. They call me every month, several times. They never leave a message. They do not have my XXXX XXXX XXXX nor do they have my current address. 

XXXX was opened in XXXX of XXXX, which is odd, because I've been living at my current address since XXXX. My carrier is XXXX. My TV/Internet is XXXX or XXXX XXXX. I do not buy XXXX XXXX XXXX  products. They've never been my carrier, since I left the company. 

At one time, I received a letter while working at XXXX XXXX XXXX that our SSNo.s were hacked by an HR employee who lost their XXXX, They sent us the free credit tacking, etc., which I never took advantage of and that was so long ago. Could they have sold the info later? 

Also, I used a home network at the XXXXXXXX XXXX. I wonder how secure it was... 

Credence says my account no. was XXXX. Opened XX/XX/XXXX, for {$1500.00}. I have no idea was this is about. It must be identity theft. I have no other explanation.
Consumer complaint received 2019-08-05
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. (CO)

Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2022-03-26
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. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-03-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: R.M. Galicia, Inc. (CA)

XXXX Never got invoiced by the company send to collections agency and apparently owe {$8900.00} & XXXX never asked to get medical help or attention and believe this is scam since never recieved invoice till now
Consumer complaint received 2017-11-12
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: Experian Information Solutions Inc. (IL)

Inquiries are study being pulled on my credit report unauthorized, affecting my credit score. Im only being made aware of this because in have a monitoring service. 
Credit check total sends me alerts when someone pulls my credit. On XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX/XXXX/XXXX XXXX Payments XXXX/XXXX/XXXX XXXX who are these people.All these inquiries just constantly every other day. I have a Fraud Alert on my credit file!!!!!! 
And I just submitted a complaint about inquiries last weekend!!!!!
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MO)

I was denied an extension of credit from JP MORGAN CHASE BANK which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NV)

I recently took the time to check my credit reports and found that Credence Resource Management is collecting on me for a debt that is not mine. 

I've never had phone services from XXXX XXXX XXXX nor have I ever held a contract with them. Ive attempted to call XXXX XXXX XXXX but they said there was nothing they could do since the debt had already been passed off to a third party. Prior to Credence Resource Management reporting this erroneous debt, Ive never received any type of dunning letter or phone call in regards to this debt. Both of which are violations of the FDCPA. 

I don't understand how any of this happened but I do understand my rights under the FDCPA and I do have grounds to file legal litigation if I can't get this resolved here. 

I can provide documentation in supporting my claim of never holding any services from XXXX XXXX XXXX. All documentation and evidence of claims will be only forwarded in person to my county justice courts if resolution is not reached.
Consumer complaint received 2022-03-26
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: TD BANK US HOLDING COMPANY (TX)

in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX XXXX XXXX account # XXXX 3 ) XXXX XXXX  account # XXXX 4 ) td bank account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-03-26
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) toyota motor credit account # XXXX 3 ) XXXX XXXX account # XXXX 4 ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

MY IDENTITY HAS BEEN STOLEN!! AN IDENTIFICATION OF ME HAS BEEN USED WITHOUT MY PERMISSION TO OPEN SEVERAL ACCOUNTS THAT HAVE DAMAGED MY REPUTATION I DID NOT BENEFIT NOR DID I AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION BANK OF AMERICA RESULT OF FRAUD AND IDENTITY THEFT... I SENT A FTC REPORT and Identity Theft Victims Complaint and Affidavit.. I contacted bank of america recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) XXXX  sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE along with my police report they sent it back to me!!! Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Today, XX/XX/2022, I called the XXXX XXXX XXXX  hotline and asked a representative if they record conversation between their counselours and clients. They confirmed that they do indeed record these conversations. I have a recording of them confirming this. 

On XX/XX/2022 at XXXX XXXX  I made an a phone call to XXXX XXXX XXXX and I spoke with a counselor. The counselor and I discussed what was going on with my Loan Servicing Company Select Portfolio Servicing. Then we proceeded to call SPS. The phone conversation was very long and I still don't understand any of it. I forgot to record this conversation. 

I would like the CFPB to ask the XXXX XXXX XXXX hotline for a copy of this conversation. In this conversation SPS tries to explain why I owe them over {$3000.00} and am facing foreclosure. This is excellent evidence that will support my former complaint with # CFPB XXXX.
Consumer complaint received 2022-03-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I requested and have requested for 5 years, a copy of the permissible permission to access my credit report in XX/XX/2017 to prove the XXXX XXXX XXXX XXXX ( XXXX ) loan was fraudulent. But XXXX and Experian deny and label requests and complaints as duplicate. I understand children will lie to protect themselves but this is ridiculous for grown people to act this way. Is XXXX XXXX who blindly follow their XXXX reading this or is an american with integrity reading this?
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX. XXXX  I was emailed to make my payment to Capital One. The payment is due on the XXXX of the month. I tried the night of the XXXX to make this payment online. Upon trying to log in my account was locked. I contacted Capital One to attempt to make a payment. I was told that I was a Authorized user and not the primary therefore I had to control of the anything. 

On XX/XX/XXXX I was emailed from Capital One informing me that my payment was late. I attempted to make this payment on multiple occasions. I was informed everytime I wasnt the primary user. If Im being contacted to make payments but not allowed to make payments. I have a serious problem with this. 

Fast Forward to todays date. XX/XX/2022. I was emailed by my credit reporting agency that I had a delinquent account on my credit report due to late payment. AFTER multiple attempts to speak with someone to pay my {$25.00} minimum payment. I was finally able to pay what they are say is now {$60.00} dollars on my account. 

I share this account with my husband and we both have been using these cards for a while. I now have paid a late fee and have delinquent remarks on my credit report. I would like for this to be corrected in my credit report. As I am also taking steps to see what I can do to have Capital One correct their mistake. During this entire encounter I was never helped to unlock my online account.