davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (RI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Consumer complaint received 2022-07-15
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. (RI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I received a US Bank Visa Gift Card from a friend in XXXX, XXXX. I did not realize until XXXX, XXXX when I tried to use the card at my local XXXX that it needed to first be registered. On about XX/XX/XXXX, I went online to register the card and realized that someone using the name XXXX, had fraudulently registered the card and used it at XXXX on XX/XX/XXXX. See attachment XXXX, Card Activity, that shows two XXXX transactions that werent made by me or authorized by me. This realization was quite a surprise, as I have always been and still am in possession of this gift card. I assume this was a computer hacker or insider who had access to computer files containing US Banks Visa Gift Card account numbers and corresponding PINs. 

I immediately called the number on the back of the card, XXXX, and was routed to a call center somewhere in XXXX. This is an assumption on my part, but Ive called several times and each time I spoke to a different agent with a very thick XXXX accent. When I asked where they were physically located they said they were not able to reveal that information. The agents informed me to mail or fax copies of the card front and back and also include a copy of my drivers license. I explained I was not comfortable sending a copy of license and would only send it with my birthdate and license number blacked out. They could have my picture and address and see that I had a valid AZ drivers license. Their system was already hacked, I did not feel comfortable exposing myself to identity theft. I mailed the requested documents to US Bank Gift Card Cardholder Services, XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, XXXX. I waited two months and heard nothing. A followup called revealed that they had my information but would not replace the Visa gift card because I blacked out my sensitive drivers license information. They wanted another copy of my license without the blackout. So I sent a copy on XX/XX/XXXX, but this time I sent it certified mail so I could track where my information was going. This enveloped was returned to me No Mail Receptacle, Unable to Forward.

I even went into a local US Bank branch to see if they could help me. But they still wanted to send my drivers license information to their XXXX XXXX XXXX XXXX. At this point, XXXX very uncomfortable giving this sensitive information to XXXX Banks XXXX XXXX XXXX XXXX. Its clear to me that that this card information was hacked. I feel US Bank is being unreasonable in admitting that the fraud occurred on their end. Ive even enclosed the receipt from the purchase of the gift card, ( See attachment XXXX ). If you can provide any assistance in getting a replacement {$100.00} gift card I would appreciate it.
Consumer complaint received 2022-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Fig Tech Inc. (OH)

I took out a loan in XXXX  with fig loans. It had four payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, XXXX XXXX and XXXX XXXX to dispute this. When they investigated it fig loans continued to verify that I was past due and did not make the last payment. I have disputed this directly with big loans as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident. I want this investigated asap.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (MA)

I had an account with American Express. Serve the account has since been closed, but I have contacted American Express serve on several occasions because I need to access bank statements from XXXX and possibly the end of XXXX because I made payments to a company for a trip I was to take this year And the company closed and refused refunds and I need proof of the payments. American Express serve has twice told me that they would mail me copies of those statements and have not every time I speak to them they say because the account is closed they dont have access to those statements, but it is my understanding that they have to keep bank records for five years even on a closed account so I am looking for assistance to try to get the statements that I need. Thank you.
Consumer complaint received 2022-11-23
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)

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

In XXXX  a loan was taken out in my name. When I gainedknowledge of this loan I immediately contacted Affirm to reportthe fraudulent account and followed their instructions to reportthe fraud. ( Police report and FTC complaint ) Affirm came backafter a few months and told me that they investigated thisaccount and determined that the loan was mine. I asked for theproof which they in turn cut all communications. Fast forward toXXXX and this is on my credit report as a default and I continue toask Affirm to provide all documentation that shows this is myaccount to this date Affirm has only provided a truth in lendingwhich shows it was signed electronically and a loan verificationsheet. Neither of these documents show anything other that itwas signed electronically. I have asked for a delivery signature orsomething with my signature and nothing has been provided.
Consumer complaint received 2017-02-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX one of my sons asked me to pay his XXXX cellphone bill for him. I did this with him by using the XXXX online bill pay on his account. I paid the bill by giving XXXX a bank sort code and bank account number for one of my bank accounts, and authorizing them to make a single deduction to pay a single bill. The transaction was successful and this should have been the end of the story. However.. 
I made the mistake of using a bank account which I do n't track closely. Then XX/XX/XXXX I noticed an unusual debit on that account. Upon investigation I discovered that XXXX had used the bank information which I provided in order to make an additional XXXX unauthorized debits over the 6 month period between XX/XX/XXXX and XX/XX/XXXX. I immediately notified my bank and disputed the transactions. They were only obligated to refund fraudulent transactions up to 60 days prior to the transaction and they have now refunded XXXX of the XXXX transactions and put a permanent stop on future debits from XXXX. 

I have of course tried to fix this with XXXX. My son canceled service with XXXX XX/XX/XXXX, and XX/XX/XXXX I have spent hours on the phone with XXXX customer service agents who claim that they are not even able to find my son 's telephone number in their system, and in any event they would not talk to me about it because it is not my account. Yet they have my money. 
On XX/XX/XXXX I sent a very detailed letter to the office of the President of XXXX. They responded to say they have received the letter but have not resolved the issue, nor have they responded to repeated telephone calls to follow up. 
XXXX have, either fraudulently or mistakenly, debited my bank account 4 times and seem totally incapable of resolving this. I do n't where else I can go to resolve this and am hoping that CFPB can assist.
Consumer complaint received 2022-11-23
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. (OH)

I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I 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. Please find out about helping me please and help get my identity back please
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (OR)

Hello, I have had a negative item pop up on my credit report for a collections charge for XXXX XXXX. 
I have never had a XXXX XXXX account in my life. 
However, I did have identity theft earlier this year. My bank stated that the person had my email and phone # on their application. 

I contacted XXXX and have been told that Amsher verified this as an accurate collection against me. I would like to know where they obtained this information. 
I tried several options to contact them on phone lines and no matter which path I chose, at some point the call disconnected. 

If I am in collections, how come I have never received a letter or phone call. My cell # is XXXX and is with XXXX. 
Please phone me immediately to discuss this. 

This happened on XX/XX/2022. XX/XX/XXXX, Amsher collection verified it as an accurante debt. The debt is for {$460.00}
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I C systems will not provide information about an account I do not have with XXXX. I have no knowledge of an account with XXXX  being closed on in XXXX. IC systems says a collection account was opened in XXXX for the closed account. They will not provide an account number or anything for me to contact XXXX.
Consumer complaint received 2022-08-08
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: JPMORGAN CHASE & CO. (FL)

Chase Bank has reported inquiries in my credit report ; but I have not applied for a credit card with them recently. A few years ago, they suddenly closed my Southwest Card ( for no given reason ), so I do not see a circumstance that I'd be willing to open a Chase credit card again.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (WV)

PNC cleared an unauthorized debit from my Checking account. Said unauthorized debit was for a very large amount of money, and in which, there were insufficient funds. Thus, there should have been no reason for PNC to clear said unauthorized debit from my Checking account. As a result of this incident, I experienced overdraft fees and fines accessed to my account. Although, they were eventually waived, PNC should not had allow for such a transaction to occur. The overdraft occurred on XXXX XXXX, 2018.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Equinox Financial Management Solutions, Inc. (MI)

XXXX customer since 1977 for business and home ... called for service to business account ... was told business sector had been sold..we do not do that anymore ... .cancelled service which we paid quarterly ... .approx 6 mos later XXXX collection agencies contacted us to collect for services. We refused to pay what we did not owe. The XXXX people are rude uncooperative and unprofessional ... ..read the internet reviews..this is almost like a predatory blackmail to keep your credit good.
Consumer complaint received 2024-02-09
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. (CA)

I was on a deferment prior to restarting my education in XXXX. I was unaware that starting my education would change my deferment status with XXXX and received no notification at that time or when I stopped school for family and health issues. I received no notification from XXXX once I stopped school that my loans would be restarting. I attempted to purchase a home and discovered that my credit score was tanked by XXXX points because XXXX reported my loans as late for 30, 60, 90, 120, and 180 days. I have 2 groups of loans with XXXX totaling 5 loans. I was under then impression that I had 1 loan with XXXX because all prior notification from XXXX indicated that it was a single payment for my loan amount and included just the full balance owed. It was not until I received the 25 dings on my credit report when I attempted to purchase a house did I realize that it was 5 separate loans. I contacted XXXX who confirmed that they had an incorrect address, this address they had was never an address I lived at nor was I on any lease for. They denied having the ability to correct the report to the 3 reporting agencies and advised that I file a dispute. I filed the dispute, but XXXX denied any wrong doing or reporting so the dispute was closed.
Consumer complaint received 2024-02-09
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. (VA)

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.

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 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very XXXX for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX - Late 30days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2024-02-09
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)

I just obtained a copy of my credit reports and it shows unverified and fraudulent account that violates the FDCPA. Please see the attached copy of my dispute letters that were recently sent to the bureaus.
Consumer complaint received 2022-11-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I reached out to USAA once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call USAA over 12 times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that USAA had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get USAA to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and USAA has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (FL)

Back in XX/XX/2022 I called them and told them that there was an illegal inquiry on my report and I did not authorize it to be placed on my report or give my information to anyone to get this card and they promised to have it removed in XXXX months and the hard inquiry is still on my report and it has now been XXXX months and it has not been removed.
Consumer complaint received 2022-07-15
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: Southern Management Systems Inc. (TN)

TO : XXXX  XXXX XXXX OF XXXX XXXX You responded to my previous CFPB complaint and basically ignoring the accuracy of the credit report. I asked you POLITELY to read the attachment below which is my credit report showing the account you report. If you have conducted a reasonable investigation. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, XXXX XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your XXXX XXXX so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & XXXX Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS