davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (DE)

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 Account # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-26
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. (DE)

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 Account # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

Resurgent Receivables LLC has been found to have violated the FDCPA ( Fair Debt Collection Practices Act ) by erroneously reporting a COLLECTION/CHARGE OFF on my XXXX credit report on XX/XX/XXXX, with a claimed account balance of {$590.00}. They also reported the same fraudulent information on my XXXX report on XX/XX/XXXX, stating that the original creditor was XXXX XXXX. It is important to note that my XXXX report from XX/XX/XXXX, clearly showed the account as " Paid, Closed/Never late '' to XXXX XXXX XXXX ( See attachment ). Despite this, Resurgent Receivables persistently continues to report a debt on my credit report that I do not owe, which can only be seen as a form of harassment. I want to emphasize that I have never entered into any contractual agreement with Resurgent Receivables that would grant them permission to include such information on my credit report. Furthermore, it should be noted that a charge-off is considered a certificate of indebtedness, which means it should be removed from my credit reports. 

As a result of Resurgent Receivables ' actions, legal proceedings are currently underway against them for Violation of the Fair Debt Collections Act and Defamation of Character. 

The collector is surely aware of the severe consequences that come with violating the Fair Debt Collection Practices Act, as well as the numerous violations for which they are now accountable. 

Allow me to highlight a few of these violations for you : 1. FDCPA 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. FDCPA 809. Validation of debts [ 15 USC 1692g ] 3. FDCPA 813. Civil liability [ 15 USC 1692k ] ( a ) With the exception of the provisions stated in this section, any debt collector who fails to comply with any provision of this title is liable to the affected individual for an amount equal to the actual damages incurred as a result of such failure, and in the case of an individual, the court may also award additional damages, not exceeding {$1000.00}.

It is worth mentioning that I have not provided any proof of the alleged debt under the doctrine of estoppel by silence, as established in XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX. Therefore, it can be reasonably assumed that no evidence of the alleged debt, and consequently, the debt itself, actually exists.
Consumer complaint received 2022-09-01
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. (CA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I went into the Bank of America location on XXXX XXXX, XXXX, Florida. I wanted to know if the I could bring my bills and offset them with my SSN credit card, pursuant to 28 USC 3002 ( 3 ) ( A ) ( B ) and 18 USC 8. I was told that the bank was not setup to do that for a customer. I then applied for a XXXX XXXX  credit card and I was denied for that credit card. On XX/XX/XXXXXXXX, I received an email notification that stated, " In response to your application, Application Decision Reference Number XXXX We're sorry- we can't approve your request for our XXXX XXXXXXXX XXXX " We carefully reviewed your application, credit report ( s ) provided by credit reporting agencies and your relationship with us. Unfortunately, we weren't able to approve your request. We're sending you a letter with more detailed information and instructions on how to obtain a copy of your credit report. The letter also explains that the balance transfer requests included with your credit application won't be processed. '' My right to credit was denied. Bank of America is in my community as indicated by my zip code and has never loaned nor extended credit to me as a consumer. I am an XXXX XXXX and denied my right that was 28 USC 3002 allows for benefit of an individual XXXX. My initial request did not require a credit check because credit is my right. I also have an account with Bank of America. Additionally, I did not request a balance transfer with the credit application. Pursuant to the Equal Credit Opportunity Act, I was discriminated against for exercising my right under the federal credit laws. I have disputed errors in my credit reports.
Consumer complaint received 2019-01-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Machol & Johannes, LLC (WA)

On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX , XXXX, File No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX  using MACHOL JOHANNES LLC   Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX   phone XXXX claiming a {$5000.00} don't want to deduct my payment {$3000.00}.

XXXX XXXX XXXX , XXXX already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX, XXXX  until they send me to collections and we have to file a dispute.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Someone opened a fraudulent checking account with Bank of America using my information. I feel like this is all Bank of America 's fault they don't have the security systems to block scammers from messing with people 's livelihoods. Called BOA and the agent said he closed the account but I still don't feel good about it.
Consumer complaint received 2019-05-08
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: BMW Financial Services NA, LLC (NY)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2022-08-29
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-29
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. (GA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of Fort Walton Beach, Inc (NC)

I lived in an apartment complex in XX/XX/2016, with no complaints or damages. I looked on my credit report recently, and noticed a derogatory mark from COLLECTION BUREAU OF FT. I called and asked about the mark, they said it was from the apartments and that there was {$930.00} in damages, they had used my {$300.00} security deposit, and my {$630.00} bill had gone to collections, where they posted it on my credit report. 

I was never made aware of this bill from the apartment complex or collections agency. I asked for proof of the debt, which I have not received in over 30 days now. 

I got in touch with my roommate from that apartment, and he said the same thing happened to him! This does not make sense, because the *total* security deposit was {$300.00}, and the alleged *total* damages were {$930.00}. How could we both have the same exact charge? We did not contribute a total {$600.00} security deposit. Also, what is the likelihood that we both missed bills from the apartment complex and the collection agencies? 


We both have been asking for answers for months now, and no one will respond. This is lowering our credit reports unfairly.
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio have been trying to collect an alleged debt in the amount of {$21000.00} and {$22000.00} that is not mine since XX/XX/2018. They attempted to sue me and lost the lawsuit for Lack of proper documentation in a form a signed credit card agreement. This is fraud which they are well aware of hence they continued to move forward with the lawsuit.They have been reporting this alleged debt on my credit report since XX/XX/2018 therefore damaging my credit worthiness.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My business checking account was closed by the Bank of America in the beginning of XXXX, 2022. And they said the check was issued out to me on XX/XX/XXXX. I still haven't received the check yet. I even went to the branch and tried to talk with the bankers, they said they can't do anything for me because the account was closed by the internal department. They just let me call the customer 's line to check the process. I attempted for couple times, no one could solve the problem or give me an exact answer for me.
Consumer complaint received 2020-06-05
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: The CBE Group, Inc. (WI)

I was a victim of Identity theft and I noticed a fraudulent account on my credit report from The CBE Group Inc. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was a victim of Identity theft and I noticed a fraudulent account on my credit report from The XXXX XXXX XXXX. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I've asked XXXX, Equifax and XXXX for the evidence that XXXX XXXX XXXX provided them to validate debt. A lease as they provided to CFPB is not a validation of debt. I provided all credit bureaus with an FTC Complaint as I believe the collection account is fraud seeing as I've had several issues with identity theft for the past year. I have several FTC complaints that have been investigated. The IRS has notified me that someone attempted to collect unemployment as well as file tax return with my social security number. The unemployment insurance agency in XXXX also informed me that someone attempted to collect unemployment in the state of XXXX while they lived in XXXX XXXX and it was a XXXX XXXX XXXX. I've asked all credit bureaus to provide me with the details that they were provided by XXXX XXXX XXXX  They have failed to do this.
Consumer complaint received 2022-08-29
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Consumer complaint received 2022-08-29
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}
Consumer complaint received 2022-08-29
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. (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2019-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MN)

I signed up for a Business Advantage Checking account on XX/XX/2018 with a sign up bonus offer. The offer was to deposit {$5000.00} and make 10 electronic transactions, to receive a {$500.00} bonus. I believe the promotional code was XXXX. Upon completion, I received only {$200.00} on XX/XX/2018. I have made several calls to the company, both the local branch and main telephone number. They opened up " investigations '' with a promise to call back. I never received any calls back, nor the rest of my bonus.