davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bonneville Billing and Collections (ID)

Approximately two weeks ago, XXXX from Bonneville Collections XXXX XXXX office contacted me regarding medical collections. Without seeing anything in writing, I was hesitant to give her my payment information ( at the time she said it was approximately {$35.00} ). She stated a letter was already mailed to me. That may be, but I did n't have it in front of me or remember receiving it and asked it be sent out again. She refused saying it had already been done. She proceeded to raise her voice and talk over me and I requested again that the information be sent to me in writing and to not contact me by phone again. Today, X/X/2017, XXXX called me again, using my employer 's phone number, again requesting payment. This time for an amount exceeding {$1000.00}. I never received anything in the mail from Bonneville Collections after requesting it and was certainly confused as to how the amount could have changed so much without any new information being provided to me. So not only did she not comply with my request for written notification but she called me again using my employer 's phone number.
Consumer complaint received 2020-10-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant tothe Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Consumer complaint received 2024-02-29
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Previous complaint # XXXX which stated : " XXXX  doesn't offer an option for consumer disclosure and has a fine print of " The XXXX  solution is not provided by a consumer reporting agency and does not constitute a consumer report as these terms are defined by the Fair Credit Reporting Act. 15 U.S.C Section 1651 et seq ( " FCRA '' ) '' Meanwhile, they have categories on the report which relate to assets and creditworthiness. '' TransUnion responded in a non-sequitiur referring to credit reports. THIS IS NOT ABOUT MY CREDIT REPORT. 

XXXX  is a comprehensive report product offered by TransUnion - very similar to XXXX and XXXX. XXXX and XXXX rightfully offer disclosure under the FCRA but for some reason XXXX  believes themselves to be exempt. 

These comprehensive reports containing topics covered under the FCRA as they are used in background investigations, etc. 

If you're confused, the site for XXXX  is XXXX : XXXX As stated on the site : Who uses XXXX  Collections Attorneys and Law Firms Licensed Investigators Financial Services Insurance Corporate Risk Investigative Reporters Law Enforcement Government Repossession Industry Resellers As such , the reports contain data that are covered under the FCRA and must be disclosed accordingly.

It is owned and operated by TransUnion Risk and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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, Credit Collection Serv : # 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 XXXX 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 2020-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XX/XX/20 Tried to reach out to the company, and it was a cellphone number. This is not my account and I have never done business with Enhanced Recovery. I don't have a written contract or any agreement to pay. The amount they are saying I owe is {$350.00}, this was place on my credit report on XX/XX/20.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

Western Union money order XXXX {$1000.00} purchased XX/XX/XXXX was stolen and altered. Western Union has refused to refund. Signed notorized purchaser affidavit submitted XX/XX/XXXX.
Consumer complaint received 2022-08-11
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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 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 crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-21
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. (NY)

My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus  previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC reports
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc. (NM)

I am disputing the validity of the debt in whole. I did not received the XXXX violations notice from the Delaware Department Of Transportation until months later by the debt collection agency. XXXX XXXX XXXX XXXX. The violations notice were mailed to the wrong address. At XXXX XXXX XXXX. XXXX, MD XXXX. The mailing address at XXXX XXXX XXXX, on my leasing contract is XXXX XXXX XXXX. XXXX, MD XXXX. The address for, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX. I received a certify original driver license application which has a asterisk next to the address ... I have explain my situation to ( Del.DOT ) and the collection agencyXXXX XXXX XXXX ; to no avail. Which I believe are at fault for my financial dilemma/default in credit.
Consumer complaint received 2017-10-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I have contacted on multiple occasions I have a settlement for XXXX with XXXX, XXXX  and XXXX. Transworld is trying to collect on the same debt but for XXXX they are reporting on me yet they do not have my account in their office. It 's with XXXX XXXX and XXXX when ever I call they say it 's not their problem call XXXX XXXX and XXXX and that their not reporting on me which they defiantly are.Transworld refuses to speak to me or solve the problem I have done multiple disputes and gotten no where.they are reporting to XXXX and refuse to fix it and I am tired of getting the run around by it 's not my fault talk to someone else.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I filed a claim with Chase bank on XX/XX/2020 because XXXX took my money and closed their doors and the posted on their website to contact your bank for refunds. So I contacted Chase bank. I received a provisional credit for some of my XXXX   transactions but, not all. on XX/XX/2020. I called and spoke to someone name XXXX in the claims department she told me that it was out of the 60 day retrieval of the fraud on my statement. I explained to her that this was not fraud. but, due to covid -19 the  vacation was cancelled. On XX/XX/XXXX XXXX the transactions for XXXX and XXXX was reversed and placed back on my account with out any notice. I emailed Chase and again the claims department said I it was out of the 60 day. I advised Chase this claim was for services not rendered to me. 
Chase then told me that even though those charges was out of the 60 days. the charges for XXXX and XXXX that Chase took responsibility. I advised them that they didn't take responsibility because they place those charges back on my account and that made my account go in the negative. So I refiles again and I still didn't get credit for those charges even after that wrote that chase took responsibility of the listed charges. XXXX and XXXX. I have all my documents that were sent to Chase concerning the claim about the XXXX  claims. I filed a police report, Florida attorney general complaint, XXXX  complaint. against XXXX.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I was using a Citibank or Citicards credit card, Citi DiamXXXX Preferred Card for my New York XXXX XXXX membership ( the club has been closed due to the Carona Virus lockdown since XX/XX/2020 ) and the monthly fee for my passport membership was {$54.00}. New York XXXX continued to charge in spite of their clubs closing and I called Citicards repeatedly to dispute the charge. The first time I called was XX/XX/2020. I was told by Citicards that they would look into the dispute and credit my account for the amount of {$54.00}. That never happened. Instead for the charge ( which I had disputed ) due XX/XX/2020 they added a late fee and began calling me leaving messages to collect a debt. I went in and spoke with a bank XXXX at Citibank XXXX XXXX ( that's XXXX NY on XXXX XXXX, XXXX XXXX who spoke with Citicards on my behalf. He said he was able to get the dispute reinstated and get rid of the late charge and that he was then closing the account. He asked me if I wanted him to shred the card and I said yes. He shredded it. He told me he was ordering new cards be sent to me. But Citicards continued calling and sending mail to " collect the debt ''. There was never any communication to me by Citibank about the dispute I had opened. I called Citicards yet again on or about XX/XX/XXXX. They assured me that the first person I had spoken with there didn't follow the proper steps to open a dispute and that the calls and e-mails would eventually stop. On that call Citicards also agreed to open up a dispute about the next charge by NY XXXX XXXX which was due on XX/XX/XXXX. Citicards continues to call and send e-mail about the debt daily with no communication with me regarding either of the disputes I've opened up, or at least the disputes which Citicards has told me on the phone that they've opened up.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Leased a vehicle in XXXX of XXXX. Paid the balance of the lease off in XXXX and XXXX through XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX says they will not update the Credit File because there is XXXX balance due and they wont update until the end of the lease - They stated " if you left a {$1.00} balance, we would have updated the credit reporting, but because you paid it off, we will not report until XXXX of XXXX. ''
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The Following accounts were used unauthorized. It affects my Credit File. I need help I am a victim of Identity Theft. Remove the following accounts from my Credit Report!.

1. XXXX XXXX XXXX XXXX Credit Card {$1600.00} 2. XXXX XXXX Auto Loan {$2300.00} Delete also the Following Inquiries from My Credit Report.

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I called Bank of America to freeze my card, basically from any use during the covid crisis. Im XXXX XXXX  and want to incur no debt on this card. To keep myself from using it, most importantly, but also to prevent anyone else from using it. 
They told me they dont have a freeze policy. I told them my other credit card companies have agreed to my request. I dont want to close the account due to negative effect on my credit score. 
They said Id be protected against fraudulent use by anyone, but Im More concerned with an auto renew charge that occurs only every year or maybe two. Like computer firewall protection, or domaine name renewal. 
My only option, from BofA, Is to tear up my card, which doesnt stop unknowing activity, then get a new card when Im ready. 
I feel cornered and unprotected against them gathering charges that Im trying to prevent. 
Do I have any options?
Consumer complaint received 2017-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (DC)

Hello, I am XXXX years old and have a decent job working for XXXX XXXX XXXX XXXX XXXX. For work, I help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In order to get to this position, it took 1 year of prerequisite XXXX XXXX XXXX at XXXX XXXX XXXX University and then 2.5 years in a XXXX program at XXXX University in DC. This was unbelievably expensive and after 5 years of payment, almost all of my principal balances exceed the loan original balances. This is mostly due to " Private '' student loans. My federal loan debt is {$100000.00} and my payments are $ XXXX/month ( which is very reasonable ). My private loans are another story. I owe {$53000.00} and my payments are $ XXXX/month. ( This amounts to about 1/3rd of my monthly income. ) I repeatedly asked the private loan companies ( XXXX and Nelnet ) to reduce my minimum payment due to meet my income and they have repeatedly refused to work with me on this. My interest rates on the private loans range from 6 % -8 %  and they consistently treat me ( their customer ) like it 's my fault that I can not afford the payments. My credit has suffered when I made late payments while trying to make rent. I am not alone. Many of my friends and professional colleagues are in a similar position. Ideally, I would like to see private student companies be required to offer income-based repayment just like federal loans. It seems like a very reasonable way to allow young professionals to be able to be more financially stable. I would like to see private student loan interest rates also capped at 5 % or lower. This is one of the main reasons for me and many others being stuck in this endless debt cycle. I would also like to see a much larger student loan interest deduction. In 2016, I paid {$5700.00} in interest on my private student loans however ; I was only eligible for a {$2500.00} deduction. If you could push for private student loan reform and an increase in the student loan interest deduction, I would guarantee you would find overwhelming support from the majority of the students and folks who have a ton of student loan debt. I live in XXXX ( XXXX XXXX XXXX XXXX XXXX ) and would be glad to meet and chat about this request anytime. Many thanks in advance, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2020-05-07
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. (NY)

I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, EQUIFAX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.